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Property

Flexible Policies for Your Farm




Cloud Package Discounts Save money with our competitive policy bundling discounts that apply when combining our Farm & Ranch products and/or our Crop Hail insurance. Contact your agent to learn more about how you can save.

Policy Options

Dwelling & Personal Property  |  Farm Personal Property  |  Farm Building Property  |  Specialty Property
PA

Dwelling & Personal Property

Your home is more than just where you live: it's a unique part of both your farm and your family history. Farmers Mutual Hail caters to the uniqueness of our policyholders' homes with flexible Dwelling and Personal Property coverage to insure our customers' farmhouses and the possessions they own.
 

How Does It Work?
Insureds can also choose between "open peril" and "named peril" coverages. Open peril policies cover anything that happens to your home or property while named peril only covers a set of pre-determined risks. Special limits and exceptions apply, so please ask your agent for more details.

Availability
IA, IL, IN, KS, KY, MN, NE, SD, WI 
PA

Farm Personal Property

FMH Farm Personal Property policies cover machinery, grain, and livestock, protecting both the tools you use to make a living and the fruits of all your hard work.

Farmers Mutual Hail Farm Personal Property policies cover:
  • Machinery
  • Livestock
  • Grain
  • Hay and straw
  • Farm products and supplies
  • Computers for farm use

How Does It Work?
From basic coverage to replacement cost, we have a complete line of optional farm products to help you customize the coverage and deductibles you need.

Open peril policies cover anything that happens to your property while named peril only covers a set of pre-determined risks. Grain coverage can also be purchased in blanket coverage or scheduled coverage.

Availability
IA, IL, IN, KS, KY, MN, NE, SD, WI  

PA

Farm Building Property

Your farm's buildings are crucial to its success. Whether you own barns for livestock, silos for grain or buildings for your machinery, your outbuildings are often the only thing protecting your livelihood from Mother Nature.

Farmers Mutual Hail Farm Building Property policies can cover:

  • Farm barns
  • Farm buildings
  • Portable structures
  • Grain Structures
  • Other structures located on the insureds' property

How Does It Work?
These policies can be purchased as a package or on their own. This policy may also cover construction materials for new structures on the insureds' property.

Insureds can choose between "open peril" and "named peril" coverages. Open peril policies cover anything that happens to your property while named peril only covers a set of pre-determined risks. 

Special limits and exceptions apply, so please ask your agent for more details.


Availability
IA, IL, IN, KS, KY, MN, NE, SD, WI

PA

Specialty Property

FMH Inland Marine coverage can insure your most valuable possessions against theft or damage.

The Farmers Mutual Hail Inland Marine policy covers valuables that may need more financial protection beyond a typical Personal Property policy including (but not limited to):

  • Boats
  • Jewelry
  • Musical Instruments
  • Silverware
  • Furs
  • Antiques
  • Cameras
  • Stamp or Coin Collections
  • More

How Does It Work?
Inland Marine policies can be bundled with our other property policies to provide comprehensive home coverage. We also offer competitive policy bundling discounts that apply to our Farm & Ranch products, so contact your agent to find out if you can receive a Cloud Discount by packaging your FMH insurance products.

Special limits and exceptions apply, so please ask your agent for more details.

Availability
IA, IL, IN, KS, KY, MN, NE, SD, WI