Farmowners
- Farmowner Program
- Eligible Classes
- Optional Coverages
- Credits
- Farm Liability Coverage
- What Makes Us Unique
Mt Morris Mutual is known for its exceptional coverage options for all types of farming operations. 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 $300,000 Annual Aggregate
(Policy provisions apply to all insurance written with Mt Morris Mutual)
Farming Classes
- Dairy Operations
- Potato/Produce Farmers
- Cash Crop Operations
- Cranberry Farms
- Poultry and Confinement Operations
- Equine/Horse Operations
- Boarding
- Training
- Stables
- Breeding
- Custom Farming
- Farm Markets
- Ginseng Operations
Homeowner Classes
- Owner-Occupied Dwellings
- Log Homes
- Seasonal Homes (mono-line coverage)
- Day Care Operations (under 4 children)
- Roomer/Boarder Program
- Bed and Breakfast
- Homes in Unprotected Fire Classes
- Woodstoves, Corn and Pellet Stoves
- 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
- Claim Free
- Mortgage Free
- New Home
- Brick Construction
- Fire Protection
- Burglary Device
- Deductible Options
- Non-Occupied Landlords Liability
- Owner Occupied Landlords Liability
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.
- Attorney Fees and other defense costs.
Liability Coverages Included on all Farm Policies
- Pollution Coverage $300,000 Annual Aggregate
- Milk Contamination Coverage covers third party milk contamination in the bulk truck.
- Farm Umbrella Coverage Available
- Replacement or Betterment on Partial Losses to Covered Farm Personal Property.
(Included at no additional cost on all Farmowner policies)
- Equipment Breakdown Coverage for the Farm
This coverage pays for a loss when equipment attached to farm buildings or covered non-mobile farm equipment breaks down due to:
- Electrical Arcing and Short Circuits
- Mechanical Breakdown
- Boiler Overheating or Cracking
- Centrifugal Force
(Included at no additional cost on all Farmowner policies)
- Equipment Breakdown Coverage for the Farm Dwelling
(Included at no additional cost on all Farmowner policies)
- Farmowner Extension Package
This endorsement can be added to qualifying policies for no deductible coverage on:
- Outdoor Power and Light Poles
- Agriculture Machinery and Equipment Rental Reimbursement
- Pumps and /or Water Systems
- Barn Glass Breakage
- Refrigerated Products
- Attack, Accidental Shooting or Drowning of Livestock
- Borrowed, Rented or Leased Farm Machinery
- Ordinance and Law
- Breakage of Cab Glass
- Bulk Milk Tanks, Feed Tanks, Silo Unloaders, Barn Cleaners, Pasteurizers and Boilers
- Emergency Removal of Produce
- Lightning and Electrocution of Livestock
- Homeowner Plus Endorsement
(Included at no additional cost on all Farmowner policies)