The Farm Program From Safeco Business Insurance

We've insured farms and ranches for decades, and we know your operation is unique.

That's why we offer comprehensive coverage to match your individual needs.

Coverage Options

Protect Your Home

You can add extended replacement cost coverage for up to 125% of the policy's limit to provide additional funds to repair or replace your home if costs exceed the policy limit. You can also add coverage for damage of up to $5,000 caused by the back up of sewers, drains, and sumps.

Protect What's Inside Your Home

In addition to standard coverage you also may want to add replacement cost coverage for household personal property, awnings, carpeting, appliances, and outdoor equipment.

Protect Farm Personal Property

Along with the standard protection against damages related to your farm machinery, livestock, grain or feed, and other personal farm property, you may want optional protection to cover it while it's being transported by a motor vehicle.

Protect Barns, Outbuildings, and Other Structures

You can extend the basic coverage to cover optional perils like a loss caused by falling objects, weight of ice, sleet or snow, and collapse (subject to limitations). In addition, you can also broaden your protection by extending it to cover special perils.

Liability Coverages

To protect against claims or suits against you, your premises, or operation, we offer limits of up to $1,000,000. You can also add coverage for watercraft and recreational vehicle liability, or add protection for business activities other than farming.

Benefits At No Extra Charge

• New construction—$50,000 for new dwellings and farm buildings for 30 days
• Consequential loss—$500 for loss to contents of a freezer or refrigerated unit
• Extra Expense—up to $10,000 for extra expenses you incur to continue normal farming operations following a covered loss
• Livestock collision—up to $500 for each head of livestock for loss caused by collision with a vehicle
• Pollutant Clean Up and Removal—$25,000 for expenses to extract pollutants from a covered location. Increased limits are available for an additional charge
• Following a covered loss, we'll pay for increased costs incurred due to enforcement of any ordinance or law regulating the construction, demolition, repair, or removal of debris.

Optional Coverages

In addition to the coverages highlighted, there are many optional coverages designed to fit your specific needs.

• Dairymen's Protective—up to $10,000 for loss to milk from contamination or spoilage
• Umbrella liability—coverage is also available for limits ranging from $1,000,000 to $10,000,000 to give you an extra level of protection

Broaden your protection even more

By choosing the Ultra Plus Farm endorsement, you may extend specific parts of your insurance coverage.

• 10% of the dwelling limit is extended to other structures used as a private garage or for storage of household personal property
• 90 days of protection for up to $100,000 for newly acquired or replacement farm machinery
• Excess coverage up to $100,000 for farm machinery borrowed from others
• Additional coverage for new dwellings and farm buildings is increased to $100,000 for 30 days
• Additional coverage is increased to $1,000 for loss to contents of a freezer or refrigerated unit
• Provides up to $2,500 for a covered loss to trees used in the production of orchard products ($250 limitation for any one tree)
• Provides up to $5,000 for damage to property of others
• Additional coverage is increased to $1,000 for each head of livestock for loss caused by collision with a vehicle

Important Notice: Coverage statements shown are simplified descriptions only. The full and exact contract is contained only in the policy. Eligible classes of business are limited. The Safeco Insurance Companies operate through different affiliates in each state. Be sure to check with your agent to determine which companies offer this product in your state.