United Heritage Property & Casualty
Farmowner's
Insurance
Farmowners insurance policies provide a
predefined package of protection against loss of property
from a number of perils and against liability claims that
may arise out of ownership of your home, personal , farming
or ranching activities. If you have an additional business
in your home, see our Business
Insurance Policy. Five Farmowners policies are offered
depending on your needs, the age of your home, past claims
history and other qualifications. They include policies for:
- Owner occupied gentleman or hobby farms
- Owner occupied farms and ranches
Country Living Plus and Country
Living Plus II policies are for owner occupied farms or
ranches with good claims and financial history. The home must
have been built since 1960. There must be 100 acres or less
and no more than 25% of income can be derived from farming
or ranching.
The policies include:
- The insured amount for the Dwelling
- 10% of that amount for Private Garages
- 70% of that amount for Personal Property
- 20% of that amount for Loss of Use
- 10% of that amount for Unscheduled Farm Personal Property
- 10% of that amount for Farm Structures and Fences if scheduled
- Personal, Farm and Ranch Liability including Personal
Injury (Libel & Slander) with a limit of $300,000 to
$1,000,000
- Medical Payments to Others with limits of $2,000
- Dwellings, Private Garages and Personal Property are insured
at replacement cost
- There are many other Optional and limited Additional Coverages
available
- A Non-smoker Discount applies
This description is not a policy. The contract contains limitations
and exclusions. All provisions of the policy apply.
Ponderosa Plus policies are for owner occupied farms
or ranches with good claims and financial history. The home
must be 35 years old or less.
The policies include:
- The insured amount for the Dwelling
- 10% of that amount for Private Garages
- 70% of that amount for Personal Property
- 20% of that amount for Loss of Use
- Outbuildings and Farm Personal Property may be scheduled
- Personal, Farm and Ranch Liability including Personal
Injury (Libel & Slander) with a limit of $300,000 to
$1,000,000
- Medical Payments to Others with limits of $2,000
- Dwellings, Private Garages and Personal Property are insured
at replacement cost
- There are many other Optional and limited Additional Coverages
available
- A Non-smoker Discount applies
This description is not a policy. The contract contains limitations
and exclusions. All provisions of the policy apply.
Ponderosa and Ponderosa II policies are
for owner occupied farms or ranches with good to fair claims
and financial history.
The policies include:
- The insured amount for the Dwelling
- 10% of that amount for Private Garages
- 70% of that amount for Personal Property
- 20% of that amount for Loss of Use
- Outbuildings and Farm Personal Property may be scheduled
- Personal, Farm and Ranch Liability including Personal
Injury (Libel & Slander) with a limit of $100,000 to
$1,000,000
- Medical Payments to Others with limits of $1,000 or $2,000
- Dwellings, Private Garages and Personal Property are insured
at replacement cost
- There are many other Optional and limited Additional Coverages
available
- A Non-smoker Discount applies to the Ponderosa
This description is not a policy. The
contract contains limitations and exclusions. All provisions
of the policy apply.
If you would like information about any
of the Products United Heritage Property & Casualty has
to offer please contact us at (208) 493-6200, (800) 877-8862,
or click
here
to locate an agency.
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