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Farm Fire Coverage

Farm Fire Coverage is provided for eligible farm property.

Commercial Farm Fire Form

Coverage Provided

  • Covered property losses on covered buildings are settled, at our option, by paying the value of lost or damaged property, or by paying the cost of repairing or replacing the lost or damaged property, or by taking all or any part of the property at an agreed or appraised value, or by repairing, rebuilding, or replacing the property with other of like kind and quality.
  • Coverage, unless the loss is excluded, is for direct physical loss to the property under the BASIC Covered Causes of Loss: Fire or Lightning, Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, Smoke, Vandalism, Theft, Sinkhole Collapse, Volcanic Action, Collision (for Coverages E & F only), Earthquake loss to livestock, and Flood loss to livestock. Definitions of and exclusions relating to these perils are within the contract.

Underwriting Criteria

  • Property must be at least 50% occupied. If property is undergoing active rehabilitation, see Rehabilitation Coverage Through OFP.
  • Properties must be free of specific characteristics of ownership, condition, occupancy and maintenance that violate law or public policy and/or may result in increased exposure to loss.
  • Property may not be owned by any individual(s) who has been convicted of arson or who has misrepresented the property by false information on the application(s).
  • Property may not have unrepaired damage or unsettled losses from any perils which would be insurable under the applicable farm coverage forms. If property is undergoing repair of loss from any such peril, see Rehabilitation Coverage Through OFP.
  • Property must be secured from trespass.
  • Property may not be in danger of collapse.
  • Property may not have sustained loss which was caused by the gross negligence or carelessness of the insured/applicant.
  • Property must have been denied the coverage sought by at least two insurance companies.
  • Property may not have delinquent taxes, assessments, penalties or other such charges due.
  • Property may not be in violation of any building, housing, air pollution, sanitation, health, fire or safety code, ordinance or rule.
  • Applications submitted for coverage must be fully and correctly completed.
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