Farmowners

There may be items that are excluded or have limited coverage. You should consult your policy for these excluded or limited items.

Many questions need answered to determine how much coverage you need. One of our professional agents can assist you in that determination. Find an agent near you.

If your policy contains coverage for Additional Living Costs, and your home is made uninhabitable by a covered loss, we will pay the additional costs of alternate living arrangements for the reasonable time it would take to repair or replace the property. By additional costs, we mean those expenses that are over and above your normal living expenses. This is subject to the coverage limit.

Your policy may contain a small amount of coverage for business property. If you have a business in your home, you should get a separate policy for that business property. Contact your agent to get a quote.

If your policy contains personal property coverage, these items would be covered—subject to the policy deductible—up to the policy limit in the event of a covered loss. If they are used for business purposes, there would be a limitation on the amount of coverage.

You are more connected than ever and criminals know the information accessed by your family is valuable. Criminals steal passwords, data, money and identities. Even worse than financial loss is the threat of cyber bullying and reputational harm. Family cyber protection helps you by guarding your loved ones from these dangers.

Online risks take many forms for you and your family. Coverages include:

Online Extortion. Expenses and ransom paid for threats to cause a network disruption.
Cyber Bullying Response. Costs for counseling, tutoring, temporary relocation, tuition expense.
Identity Theft. Costs and help in reclaiming your policyholder’s identity.
System Compromise. Data recovery and system restoration needs.
Internet Clean Up. Expenses associated with removing false statements on the internet.
Breach Cost. Costs associated with notification, investigation and monitoring a breach.
Social Engineering. Costs that arise from the intentional misleading of an individual which leads to the insured willingly sending money to a fraudster.
Services include:

Identity Management

Provides unlimited 24/7 service and support to help minimize damage and resolve identity theft incidents.
Ransomware

Diagnose the issue and implement a plan to protect data.
Get access to highly experienced professionals with deep expertise in information security, data privacy and governance.
Receive customized ransomware risk assessment and prevention services.
Breach Protection

Investigation of a breach and corresponding legal requirements.
Notification services to alert anyone affected by a breach.
Monitoring provided for those affected by a breach.
Educational Services

Partnership with Nobully.org, a nonprofit working to eradicate cyberbullying worldwide.
Alerts on the latest scams, fraud attempts and ways to prepare.
Alerts on the latest malware and how to stay safe online.
Cyberscout Claims

Personalized handling of any cyber liability claim.

Service Line coverage provides protection against a leak, break, tear, rupture, collapse or arcing of a covered underground service line caused by:

Artificially generated electrical current
Freezing
Mechanical breakdown, latent defect or inherent vice
Root invasion
Wear and tear, marring, deterioration, hidden decay rust or other corrosion
Weight of equipment, animals or people

The “covered service line” must be:

Located on the “insured premises.”
Providing a service to the residence as defined in the endorsement.
Owned by the insured or the insured must be legally liable for its repair or replacement.

Barton Mutual partnered with Berkley Re Solutions to begin offering Violent Event Coverage on our Homeowner policies starting in 2023. This partnership can provide you with expert services that will help you recover from Violent Events and Violent Acts. Within the coverage are limits for mental health counseling, emergency transportation, lost wages, funeral expenses, and more. Some coverages even apply to your children, grandchildren and parents as part of the Family Member Extension. For a full explanation of coverages, please review the coverage form.