Our Products

Farm Products

Commander Home— Package policy for owner occupied dwellings that provides up to 125% replacement coverage on both the dwelling and up to 100% replacement coverage on contents.

Select Home—Package policy for owner occupied dwelling that provides up to 100% replacement coverage on the dwelling, and if applied for, can cover up to 100% replacement coverage on contents.

Custom Home—Package policy for owner occupied dwelling that provides actual cash value on the dwelling, and if applied for, can cover up to 100% replacement coverage on contents.

Farm Dwelling—Non package policy for tenant occupied dwellings that provides actual cash value coverage.

Outbuildings—Actual cash value coverage.

Some of the other coverages available:

  • Specific Farm Personal Property
  • Blanket Farm Personal Property including Additional Perils
  • Cab Glass Breakage
  • Additional Operating Expense
  • Peak Season
  • Theft of Construction Materials
  • Water Backup of Sewer or Drain
  • Earthquake
  • Outside Wiring
  • Submersible Pumps
  • Inland Marine
  • Equipment Breakdown
  • Service Line

Home Products

HomeGuard Comprehensive—owner occupied dwelling that provides up to 125% of the replacement coverage, up to 100% of replacement on contents and broadened perils for contents.

Home–Guard® Select—owner occupied dwelling that provides up to 125% of the replacement coverage and up to 100% of replacement on contents.

Home–Guard—owner occupied dwelling that provides actual cash value coverage but replacement coverage can be covered up to 100% of the dwelling and contents.

Mobile Home–Guard—owner occupied mobile dwelling that provides actual cash value and, if applied for, up to 100% replacement coverage on contents.

Rented Dwelling—non owner occupied dwelling in town that provides actual cash value coverage. Can include up to 4 units.

Tenant Home–Guard (including Tenant Mobile–Home–Guard)—coverage for contents up to 100% of insured value for replacement coverage.

Some of the other coverages available:

  • Theft of Construction Materials
  • Water Backup of Sewer or Drain
  • Equipment Breakdown
  • Earthquake
  • Inland Marine
  • Service Line