We recognize that your farm operation deserves special protection. After all, your farm is both your home and your livelihood! It is obviously an investment worth very special protection. Donegal Insurance Group can help you protect this valuable investment by providing Farmowners Insurance customized to your individual needs by a professional Donegal agent. We have been insuring farms for more than 100 years and understand the unique insurance needs of farmowners.
Our Farmowners Insurance policy provides protection for your home and personal property with coverage options similar to those offered in our Homeowners Insurance policy. Coverage is also provided for your farm barns, buildings, structures and additional farm dwellings if these items are specifically described with an amount of insurance in the policy. Please note that Farm products, discounts and programs may not be available in all states.
Farm Personal Property can be insured as scheduled or blanket coverage. This property would include such items as farm produce and supplies, mobile machinery, poultry and livestock.
Our Farmowners Insurance policy also provides perhaps the most important coverage of all - liability coverage. This coverage pays on your behalf for your legal liability for damages for bodily injury or property damage to others.
Many optional coverages are available to allow you to customize your Farmowners Insurance policy to your individual needs and desires. We also offer discounts and credits for which you may qualify to help reduce your insurance costs.
A specially designed Dairy Farmer Select Farmowners Program has been designed for preferred full-time dairy farm operations. In return for meeting high eligibility standards, this program offers rate decreases and additional coverages.
Our Farm Umbrella product addresses growing liability exposures facing farmowners today. Farm consolidation, more farm help, increasing use of owned vehicles to move commodities, livestock, and equipment, and the threat of litigation have increased liability risk on the farm. Our Excess Liability Farm Umbrella can address this need and protect the farmowner from having to sell farm assets after an unfavorable litigation. It wraps around farm and farm business auto liability and can be extended to include personal liability if written over farm commercial liability. Such versatility might make all the difference to you.
Your local Donegal agent will be able to provide professional advice in helping you to determine which coverages are appropriate and what discounts are available to make sure that you get the adequate protection you need and help you save money at the same time.