Farm and Agricultural Insurance

As you’d expect from Wisconsin’s leading provider of farm insurance, Rural Mutual offers creative, cost effective solutions to the increasingly complex risks you face. Your operation will be thoroughly covered by expert agents, adjusters and time-tested policies.

No matter what you produce or your size of operation, our Farm Pak policy provides comprehensive coverage for your home and personal items, farm buildings, farm personal property and liability for daily risk exposures.

Plus Rural Mutual has coverage for your vehicles and workers’ compensation for your farm employees.

Farm Pak Property and Liability Coverages:

Owner Occupied Dwelling

Insures your dwelling, in-ground swimming pool, water well connected to your dwelling, and outdoor antenna.

Household Personal Property

Protects your personal property in your dwelling, like clothes, furniture and appliances.

Loss of Use

Provides payment for certain losses when your dwelling is damaged and you are unable to remain in it due to an insured loss.

Optional Personal Coverages

For additional premium, provide limited coverage for certain losses

  • Back-up of Sewer & Drain
  • Building Ordinance or Law
  • Dwelling Under Construction
  • Fire Department Service Charge
  • Inflation Coverage
  • Named Insured Medical Payments
  • Personal Injury

Scheduled Farm Personal Property

Protects only the Farm Personal Property (such as farm machinery, farm tools, grain, livestock, etc) that you specifically describe in the policy schedule.

Unscheduled Farm Personal Property

Covers the Farm Personal Property (farm machinery, farm tools, grain, livestock, etc…) that you use in your farming operations. This coverage is intended to insure all Farm Personal Property owned by the farmer.

Farm Buildings and Structures

The Farm Buildings or Structures that you specifically describe in the policy schedule are protected against Specified Perils.

Farm Pak Optional Coverages:

  • Ingestion of Rocks or Foreign Objects
  • Loss of Use and Extra Expense
  • Rental Cost for Heavy Machinery
  • Pollution Liability
  • Milk Contamination
  • Peak Season
  • Accounts Receivable
  • Employee Dishonesty
  • Incidental Business Pursuits
  • Livestock Suffocation or Freezing
  • Computer Insurance
  • Insurance for Semen and Embryos
  • Farm Employees Benefits Liability
  • Equipment Breakdown

Personal and Farm Liability

Coverage provides payment for your legal liability up to the limits in the policy for damages because of bodily injury or property damage caused by an occurrence to which this insurance applies.

Medical Payments

Coverage pays medical expenses up to the limits in the policy for people who are on your premises with your permission and are accidentally injured. The coverage also extends to people accidentally injured by your activities.

Additional Coverage Available

This information is intended to highlight the features of Rural Mutual’s Farm & Agricultural insurance programs. For a detailed description of exact coverages, limitations, conditions and exclusions please refer to the policy itself and any endorsements.

To learn more about available Farm and Agricultural insurance coverage or to get a quote, contact a Rural Mutual agent.