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, or click here to locate an agency.