FARMERS INSURANCE

Farmowners

A custom product uniquely designed for the small farm coverage of your home, farm structures, personal farm property, farm mobile equipment, and liability exposures.

Advantages and options of a Farmowners Policy

• Designed for farmers by a farmer-owned cooperative

• The convenience of one policy, one agent, one premium

• Flexible premium payment options

• Package policy eliminates gaps

• Broad coverages customized to your individual needs

• Replacement cost on dwellings and contents

• Replacement cost on qualified superior, modern construction outbuildings

• Dairymen’s and poultryman’s * loss of income coverage

• Farm extra expense coverage

Advantages and options of a Countrywide Insurance Farmowners Policy

Your Policy Can include equipment breakdown insurance as part of our farm owners’ policy. This protects the kind of critical farm equipment that helps today’s farms meet the increased pressure for high efficiency and output. And it protects the equipment that runs their homes, too. Today’s farm equipment contains sensitive hi-tech components that are prone to breakdown. And, conventional machinery is being pushed to the limit, making it more vulnerable to breakdown. It’s no surprise that breakdowns have become more common.

Farm and Home Equipment covered includes:

• Electrical distribution systems

• Boilers and pressure vessels

• Healing and cooling systems

• Refrigeration systems

• Business computers

• Deep well pumps and motors

• Center pivot irrigation equipment

• Emergency generators

• Critical home equipment

• Grain dryers

• Milking machines

• Ventilation fans

• Bulk milk storage tanks

• Mechanized feed, waste, and egg handling equipment

Covered risks include:

• Mechanical breakdown

• Electrical short circuit

• Pressure vessel bulging, cracking, and collapse

• Breakdown of business computers and data restoration

• Resulting in utility service interruption