Farmowners


Farmowner Program

Eligible Classes

Optional Coverages

Credits

Farm Liability Coverage

What Makes Us Unique

Farmowner Program

Mt. Morris Mutual is a Leader in Farmowner Insurance and we pride ourselves on the coverages we offer. We have the flexibility to insure a small hobby farm up to the largest dairy and cash crop operations. Our competitive rates and knowledge of current farming practices clearly puts Mt. Morris a step above the rest.

The Farmowner package program makes available the following coverages for qualifying risks:

  • Replacement Coverage on the Dwelling and Structures
  • Replacement Coverage on Personal Property
  • Guaranteed Replacement Coverage on the Dwelling
  • Special Form Coverage
  • Scheduled or Blanket Coverage on Farm Personal Property
  • Replacement Coverage on Irrigation Equipment/Pivots

Coverages included on all Farmowner Policies

  • Replacement Coverage or Betterment for Partial Losses on Farm Personal Property (No Depreciation)
  • Equipment Breakdown Coverage
  • Borrowed Farm Equipment
  • Milk Contamination in the bulk truck
  • Raw Milk Endorsement, Milk Contamination in the Bulk Tank
  • Pollution Coverage $100,000 Occurrence/ $300,000 Aggregate

(Policy provisions apply to all insurance written with Mt. Morris Mutual)


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Eligible Classes

For Your Farm

  • Dairy Operations
  • Potato/Produce Farmers
  • Grain Farms or Grain Operations
  • Cranberry Farms
  • Poultry and Confinement Operations
  • Equine/Horse Farms

    • Boarding, Training, Riding Stables or Breeding
  • Custom Farming
  • Ginseng Operations
  • Special Form Coverage

For Your Home

  • Owner-Occupied Dwellings
  • Log Homes
  • Day Care Operations (under four children)
  • Homes in Unprotected Fire Classes
  • Woodstoves, Corn and Pellet Stoves

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Optional Coverages

  • Intake of Foreign Objects
  • Transit Coverage
  • Peak Season Coverage
  • Identity Theft
  • Builders Risk
  • Falling Objects
  • Weight of Ice, Snow, or Sleet
  • Loss of Income/Extra Expense
  • Cab Glass Breakage
  • Farm Operation Records
  • UM / UIM on Farm Implements of Husbandry

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Credits

  • Claim Free
  • Mortgage Free
  • New Home
  • Brick Construction
  • Fire Protection
  • Burglary Device
  • Deductible Options
  • Non-Occupied Landlords Liability
  • Owner Occupied Landlords Liability
  • Livestock Exclusion Credit

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Liability Limits

Mt. Morris Mutual Offers Optional Farm Liability Limits up to $1,000,000.

  • Claims for Injuries to others injured by occurrences at your home caused by your negligence
  • Off Premises Injuries to others arising from the negligence of an insured
  • Claims for Damage to property of others
  • Medical Expenses for injuries to others on or off your premises
  • Related Attorney Fees and other defense costs

Additional Liability Coverages Included on all Farm Policies

  • Pollution Coverage $100,000 Occurence / $300,000 Annual Aggregate
  • Milk Contamination Coverage covers third party milk contamination in the bulk truck
  • Farm Umbrella Coverage Available

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What Makes Us Unique

Farmowner Master Pac (Optional)

A comprehensive, competitively priced packaged policy that provides essential coverages and additional limits for claims under your farm policy.

Outdoor Private Power and Light Equipment

$5,000

Farm Income and Extra Expense

$25,000

Borrowed, Rented, or Leased Farm Machinery

$50,000

Intake of Foreign Objects

$20,000

Fire Department Service Charge

$5,000

Pumps and/or Water Systems

$5,000

Debris Removal

$10,000

Emergency Removal of Produce

$5,000

Manure Run-off

$25,000

Additional Perils- Weight of Ice, Snow or Sleet

$25,000

Ordinance and Law

$10,000

Breakage of Glass

$5,000

Lightning or Electrocution Loss to Livestock

$5,000


Coverages included at no additional cost on all Farmowner policies:

  • Replacement or Betterment on Partial Losses to Covered Farm Personal Property
  • Equipment Breakdown Coverage for the Farm

Equipment Breakdown Coverage provides coverage to qualifying equipment in or attached to farm buildings and covered non-mobile farm equipment.

  • Equipment Breakdown Coverage for the Farm Dwelling

  • Homeowner Plus Endorsement

 

 

Mt. Morris Mutual Insurance Company
N1211 County Road B * Coloma, Wisconsin 54930
Local: 715-228-5541 * Toll Free: 877-228-5541 * Fax: 715-228-5543

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