The property section of the farm policy protects your dwelling, household personal property, additional living expense, farm buildings, scheduled and unscheduled farm personal property from perils such as fire, lightning, windstorm, hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, vandalism or malicious mischief, theft and accidental overturn or collision of farm implements.
Optional coverages can be added and may include comprehensive machinery coverage, dwelling replacement cost, farm extra expense, farm/household operations records, fire department charges, glass breakage to farm machinery, household personal property replacement cost, leased or rented farm buildings, loss of farm earnings, peak season, pollution clean up and removal, suffocation of livestock, equipment breakdown and water backup through sewer or drain.
The liability section of the farm policy protects members of your household against financial disaster from accidents or injuries occurring on your farm. It protects you against claims of negligence arising from your farming operations, use of the premises or personal acts. It can also protect you for damages to property you borrow, such as farm machinery. The medical payments to public part of this section pays for accidental injury to the public on your premises, by your livestock, or because of your farming operations or personal acts.
Optional liability coverage that can be added may include custom farming, custom feeding, additional insureds, business activities, contractual liability, personal injury, additional premises, medical payments to named persons, hunting and fishing, or milk contamination.