The FarMate® Policy provides protection for your home and household personal property as well as your outbuildings, machinery and other farm personal property.

Property Coverages:

  • Dwelling
  • Household Personal Property
  • Additional Living Expense and Loss of Rents
  • Farm Buildings
  • Scheduled and Unscheduled Farm Personal Property

Additional Coverages:

  • Glass Breakage – Farm Machinery
  • Debris Removal
  • Emergency Removal of Property
  • Necessary Repairs After Loss
  • Construction of New Building
  • Outside Satellite Dish Systems and Radio/Television Equipment
  • Collapse Coverage for “Farm Implements”
  • Unharvested Farm Produce or Grain

We cover direct loss to insured property caused by:

  • Fire or Lightning
  • Windstorm or Hail
  • Explosion
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism or Malicious Mischief
  • Theft or Attempted Theft
  • Accidental Overturn or Collision of “Farm Implements”

Additional Perils for “Livestock”

  • Death By Electrocution
  • Attack By Dogs Or Wild Animals
  • Accidental Drowning
  • Accidental Shooting
  • Injury From Loading on or Unloading
  • Collapse of Bridges, Culverts and Buildings
  • Collision or Overturn of Conveyances

Optional Coverages:

  • Commander Dwelling Coverage
  • Custom Dwelling Coverage
  • Special Livestock Endorsement – 4-H, FFA Animal
  • Comprehensive Machinery Coverage
  • Farm/Household Operations Records
  • Additional Operating Expense
  • Peak Season
  • Dwelling Replacement Cost
  • Equipment Breakdown Coverage
  • Farm Extra Expense
  • Leased or Rented Farm Equipment or Machinery
  • Household Personal Property Replacement Cost
  • Leased or Rented Farm Buildings/Structures
  • Farm Service Building Additional Coverage
  • Open Peril Coverage for Dwellings
  • Theft of Construction Material
  • Weight of Ice, Snow or Sleet
  • Collision and Overturn
  • Pollution Cleanup and Removal Coverage
  • Water Backup of Sewer or Drain
  • Farm Outbuilding Broad Form
  • Bin Storage Building Blocked Vent Coverage
  • Telecommuter Coverage


The Farm-Guard® protects the members of your household against financial disaster from accidents or injuries occurring on your farm — whether as a farm owner or tenant.