Policy Options
Dwelling & Personal Property
Farmers Mutual Hail Dwelling and Personal Property policies cover the private residence of an insured and their possessions within the home. These policies can be purchased as a package or individually.
IA, IL, IN, MN, NE, SD, WI
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.
What are the benefits?
Dwelling and property policies protect insureds against fire damage, theft, vandalism, debris removal and more. 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.
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
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.
Availability
IA, IL, IN, MN, NE, SD, WI
How Does It Work?
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.
What are the benefits?
FMH farm personal property coverages are customizable and flexible to fit the needs of your farming operation. 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.
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
- Select silo
- Other structures located on the insureds' property
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.
Availability
IA, IL, IN, MN, NE, SD, WI
How Does It Work?
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.
What are the benefits?
Specialty Property
Your farm's property is part of both your life and your livelihood. Farmers Mutual Hail has the coverage you need to insure your personal dwelling, farm outbuildings, machinery, grain, livestock, and much more. Every farm is different, and our policies are tailored to help you insure everything from your new grain silo to the barn your great-grandfather built.
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
Special limits and exceptions apply, so please ask your agent for more details.
Availability
IA, IL, IN, MN, NE, SD, WI
What are the benefits?