What farmhouse insurance protects

A significant part of the protection provided by your farm property insurance is for the home you and your family live in, as well as its contents. Farmhouse insurance protects the dwelling structure itself rather than the farm itself.

Generally, your farm homeowners insurance covers:
  • The structure itself
  • Contents, such as furniture, appliances and personal property
  • Garages and gazebos
  • Liabilities from injuries to house guests

Protect your farmhouse with AgriChoice®

Designed to protect traditional production farms and ranches, our AgriChoice policy provides an automatic construction cost feature that adjusts values to current building costs in your area. Be sure to talk to your agent about:

  • Insuring your farm house for replacement cost or actual cash value
  • The cause of loss (basic, broad or special) you want to insure for
  • How much deductible you should carry. A higher deductible may lower your premium, but you would have to pay more in the event of a loss.
  • The current value of your farmhouse
AgriChoice also provides some extensions of coverage for:
  • Trees, shrubs, plants and lawns
  • Fallen tree removal
  • Refrigerated products
  • Debris removal
  • Fire department service charges
  • Credit card fraud and forgery
Customize your protection with optional coverages, such as:

Other farm and ranch policy options that include farmhouse insurance

Our AgriChoice® Plus and CountryChoice policies also include homeowners insurance and other basics, such as property and liability insurance. Learn more about all the farm and ranch insurance packages we offer.
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Products and discounts not available to all persons in all states. Products are subject to deductibles, exclusions, and conditions.