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Farm & Ranch Property Insurance |
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Dwelling |
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Covers the house and attached structures in the case of accidental physical loss except losses excluded by the policy. Includes coverage for built-in or attached items such as built-in cabinets or wall-to-wall carpet. |
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Other Structures |
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Covers other buildings or structures on the property that are separated by clear space from the house including detached garages and gazebos. |
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Contents |
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Covers your personal property that is not attached or built into the home including furniture and clothing. |
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Farm Property |
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Covers your farm property, machinery, buildings and structures including barns and equipment buildings. |
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Livestock |
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Covers livestock loss caused by an accident such as shooting, drowning, electrocution or attack by dogs or wild animals. |
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Crops |
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Covers crop loss such as hail damage. |
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Replacement Cost |
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Pays up to an additional 20% of the dwelling coverage limit when the home is a total loss and additional money is necessary to rebuild. (such as when building expenses have increased since your home was originally built) |
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Extended Replacement Cost |
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Covers the replacement or repair of personal property without depreciation. |
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Loss of Use |
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Covers additional essential living expenses such as temporary housing and food if your property is too damaged to live in while it is repaired. |
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Hail |
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Covers damage that occurs to your property because of hail storms. |
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Freezing |
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Covers damage to occupied dwelling caused by freezing. |
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Scheduled Farm Property |
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Covers farm personal property of higher value that you specifically identify. |
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Unscheduled Farm Property |
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Covers farm personal property used in your farming operations. |
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Lock Replacement |
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Covers the costs associated with re-keying your home and replacing your keys if they are stolen. |
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Refrigerated Property |
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Covers damage to contents in your refrigerator or freezer due to power loss. |
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Live Animals in Transit |
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Covers loss or damage to animals when the vehicle carrying the animals is in an accident or stolen. |
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Peak Season |
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Provides additional coverage for your crops or livestock during your peak season. |
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Inland Marine |
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Covers property such as machinery and equipment that is mobile. |
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Disruption of Income |
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Helps to cover your costs when your income is disrupted by unexpected damages or loss. |
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Power Outage |
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Covers losses and damage caused by loss of power. |
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Custom Farming & Feeding |
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Covers damage and losses when you are involved in custom farming and/or feeding. |
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Stored Grains & Produce |
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Provides protection for grains and produce that are stored on your property. |
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Backup of Sewer or Drain |
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Covers damage caused by water backup through sewers or drains. |
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Electronic Data Processing |
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Covers damage and loss of electronic data due to mechanical failure, magnetic exposure, electrical surge, and humidity or temperature changes. |
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Spoilage |
Covers spoilage of products you produce due to equipment malfunction or breakdown. |
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Farm & Ranch Auto Insurance |
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Liability Insurance |
Required by law in Texas, liability insurance is a fixed amount of coverage that pays for damages to other people or property that the insured is required to pay following an accident. Liability insurance does not cover the costs to repair your own vehicle. |
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Collision Insurance |
Collision insurance covers the costs of repairing or replacing your car after an accident. Payment is based on your car's actual cash value (market value of a car like yours without damage) minus your deductible. Collision insurance is typically required by your lender until your car is paid off. |
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Comprehensive Insurance |
Comprehensive insurance covers the costs of repairing or replacing your car if it receives damage in some way other than a collision (such as damage from flood, fire, vandalism, hail, or if it is stolen). Also covers temporary rental car expenses if your car is stolen. If your car is stolen, you must report the theft to the police. Payment is based on your car's actual cash value (market value of a car like yours without damage) minus your deductible. Comprehensive insurance is typically required by your lender until your car is paid off. |
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Uninsured / Underinsured Motorist (UM/UIM) |
Uninsured / Uninsured Motorist covers your expenses from an accident if you are hit by someone who either does not have insurance or does not have enough insurance to cover your bills (up to your policy's limits). This type of insurance also covers expenses from accidents caused by a hit-and-run driver if that accident is reported to police promptly. |
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Borrowed / Rented Vehicle |
Covers comprehensive and collision damage to a leased or rented vehicle, as well as additional obligations that you have to the rental company. This is also called Hired Auto coverage. |
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Employee Vehicles |
Covers damage and losses caused by an employee's vehicle if they are in an accident while performing duties associated with their job. This is also called Non-Owned Auto Liability. |
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Towing and Labor |
Towing and Labor covers towing charges when your car cannot be driven as well as labor charges related to services such as changing a tire at the location where your car became stranded. |
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Gap Insurance |
Gap insurance covers the difference between the cash value of your vehicle and the amount that you still owe on it if it should need to be replaced because of an event covered by your policy. |
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ATVs / RVs |
Covers damage and losses when operating ATVs or RVs |
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Off-Premises ATV |
Covers damages and losses associated with your ATV when it is used outside of your property. |
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Medical Expenses |
Medical Expenses (also referred to as Medical Payments) covers medical and funeral bills for you, your family members, and the passengers in your car resulting from an accident regardless of fault. |
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Rental Reimbursement |
Rental Reimbursement covers a set daily dollar amount for rental car expenses if your car is stolen or is being repaired because of damage that is covered by your policy. |
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Emergency Road Service |
Provides for emergency road assistance if your vehicle should become stranded away from your property or if you lock your keys inside the vehicle. |
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Farm & Ranch Equipment Insurance |
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Farm Equipment |
Provides coverage for equipment including boilers, pressure vessels, water heaters, electrical distribution, pumps, heating and cooling systems, refrigeration and production equipment. |
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Off-Premise Use of Equipment |
Covers damages and loss associated with using your farm equipment outside of your property. |
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Equipment Breakdown |
Protects you in the event of a mechanical failure of your equipment including power surge, motor burnout, boiler damage, operator error or other mechanical breakdowns. |
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New Equipment |
Provides 60 days of automatic coverage for new equipment when your current equipment is insured with us. |
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Borrowed Equipment |
Provides coverage for borrowed equipment that is used temporarily. |
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Equipment Rental Reimbursement |
Reimburses for expenses associated with necessary equipment rental if your covered equipment is inoperable. |
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Farm & Ranch Liability Insurance |
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Farm Liability |
Covers damage or injury to other people or their property for which you are held liable.
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Chemical Drift |
Covers damage or injury to other people or their property for which you are held liable because of legal chemicals that are used on your property.
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Pollution |
Covers damage for which you are held liable because of pollution that is produced by the daily activities of your farm or ranch. |
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Agritourism |
Provides liability coverage for you if your farm or ranch is used in agritourism. |
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Damage to Property of Others |
Covers damage to other people's property that you are responsible for including damage caused by your livestock. |
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Contamination or Leakage of Milk |
Covers damages associated with milk contamination or leakage. |
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Farm Umbrella |
Provides additional protection beyond the coverage offered by your other liability policies. |
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