The comprehensive farmer’s liability covers owned, rented, or leased land and property for personal and farming activities. It covers bodily injury and property damage from individual actions, farming operations, and volunteer liability.

Basic liability starts at $1 million and can go as high as $10 million. It is also the cheapest and most worthwhile coverage on your policy to purchase. Taking that combine out on a public road to get to the field? If it hits the power line, your liability coverage will shield you from the brunt of expenses.

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Your insurer will cover the cost of any direct physical loss or damage to the insured property resulting from an insured peril. The following items, for which a limit of insurance is indicated on your Cover Page, are covered:

a) Scheduled equipment, including mobile machinery, implements, or irrigation equipment, along with their attachments specifically described and listed on your Cover Page.

b) Blanket equipment, which includes (i) mobile machinery and implements, along with their attachments, and (ii) tools, which are independent devices, apparatuses, or instruments used for repair, construction, or maintenance.

The insured property must be usual to a farming operation, owned or used by you, and for which you are legally liable.

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Loss of use coverage can reimburse you for any expenses incurred while renting a piece of replacement machinery or equipment, excluding irrigation equipment. This applies to any insured machine that has become inoperable due to loss or damage caused by an insured peril. If two or more items become inoperable in the same occurrence, each item of machinery insured is covered separately.

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Whether it’s your grains, oil seeds, pulse crops or feed and fodder, these commodities are essential to your farm’s income. Insuring them can save you from experiencing a significant financial setback in a claim. Commodity coverage can help protect you from an unexpected financial loss due to an insured peril.

Input coverage is for assets such as fertilizer, chemicals, and seeds essential to your crops’ success and your entire operation. In a claim like a fire, replacing these inputs could be pricey. With Input Coverage in place, your policy would respond so you won’t have to pay out of pocket.

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The insurance provider offers coverage for direct physical loss or damage to insured property that results from an insured peril. This coverage applies to farm buildings or structures, along with permanently attached fixtures and equipment that form a part of and pertain to the use of the building or structure on the farm premises.

Contents within the farm buildings or structures on the farm premises are also covered. This insurance applies to property that is usually to a farming operation owned or used by the policyholder and for which they are legally liable. We suggest reviewing the policy booklet wordings for the full list of covered perils, but some examples may be found are:

• Fire
• Lightning
• Explosion
• Smoke
• Impact by Aircraft, Spacecraft or Land vehicle
• Windstorm

Our Loan Protection coverage is not a one-size-fits-all style policy. Our personalized policies translate to better coverage and premiums that are, on average, 30-50% lower than traditional Creditor Insurance. We also allow you to lock in your rates, so you will not face expensive increases down the road.

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