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. Replacement coverage available on qualifying policies.

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