Insurance Products

HOMEOWNERS

This “package” form of insurance includes coverage for your owner-occupied home and related private structures, personal belongings, and extra living expenses you might incur as a result of a covered loss. Many causes of loss are covered, such as fire, lightning, smoke, explosion, wind-storm or hail, vandalism, and theft. You also get the peace of mind that comes with knowing that you have protection for personal liability claims and defense costs-so important in today’s society.

Farmers and Merchants offers the following types of Homeowners Coverage

  • Basic Form - HO 0001

  • Broad Form - HO 0002

  • Special Form - HO 0003

  • Contents Broad Form - HO 0004

Optional Coverages     

  • Boats     

  • Snowmobiles     

  • Recreational Vehicles     

  • Replacement Cost Endorsement For Personal Property (HO 4855)     

PERILS INSURED AGAINST

 

MOBILE HOMEOWNERS

Mobile-Homeowners insurance furnishes coverage for your owner occupied mobile home, related private structures, personal belongings, and extra living expenses you might incur as a result of a covered loss. Covered losses are similar to those shown above for Homeowners. Personal liability coverage is also provided.

Farmers and Merchants offers the following types of Mobile Homeowners Coverage

  • Basic Form - Form 1     

  • Broad Form - Form 2     

  • Special Form - Form 3     

  • Renters & Condo Unit-Owners Form - Form 4

Optional Coverages     

  • Boats     

  • Snowmobiles     

  • Recreational Vehicles     

  • Replacement Cost Endorsement For Personal Property (ML-55)     

 

DWELLING FIRE INSURANCE

This is what people think of as "basic fire insurance". It may be used to insure owner or tenant occupied dwellings (including mobile homes), related private structures, and personal property for causes of loss like fire or lightning, windstorm or hail, and vandalism. Liability coverage is optional.

Farmers and Merchants offers the following types of Dwelling Fire Coverage

  • Basic Form - FL1 Fire Only     

  • Basic Form - FL1 Fire & Extended Coverage     

  • Basic Form - FL1 Fire, Extended Coverage & Vandalism     

  • Broad Form - FL2     

PERILS INSURED AGAINST       

 

FARM FIRE

This type of “basic fire insurance” is designed to cover farm dwellings and household personal property, farm personal property (like livestock and equipment). Covered loss may include fire or lightning, windstorm or hail, and vandalism. Liability coverage is optional.

Farmers and Merchants offers the following types of Farm Fire Coverage

  •  Basic Form - FL1 Fire Only     

  • Basic Form - FL1 Fire & Extended Coverage     

  • Basic Form - FL1 Fire, Extended Coverage & Vandalism     

 

INLAND MARINE

Our Inland Marine coverage may be used to insure items for which coverage is limited or excluded under other types of insurance, for a broad range of perils. Many optional coverage’s and customizations are available under these programs.

The following are a sample of some of the items that would be covered under Inland Marine:

  • Antiques     

  • Cameras & Related Equipment     

  • Guns     

  • Hearing Aids     

  • Jewelry     

  • Musical Instruments

 

This information is intended only as a brief summary and is NOT an actual contract. Always refer to policy declarations and forms for complete facts on coverage restrictions, exclusions, and limitations. If you would like more information on any of our coverages, please feel free to contact your local agent.