Cloud Package Discounts

We offer competitive policy bundling discounts that apply to our Property & Casualty products. The guidelines and required policies to qualify for our Cloud Package Discounts are as follows:

Cloud Package 2

Combination of 2 Policies

2% DISCOUNT

Requires a combination of any two of the following FMH policies issued with one insured:
 
  • FMH Personal Auto Policy
  • FMH Farm Property Policy
  • FMH Farm or Personal Liability Policy
  • FMH Crop Hail Policy

A discount of 2% applies to the FMH P&C policies
(Discount does not apply to FMH Crop Hail policies at this time)

Cloud Package 3

Combination of 3 Policies

5% DISCOUNT

Requires a combination of any three of the following FMH policies issued with one insured:
 
  • FMH Personal Auto Policy
  • FMH Farm Property Policy
  • FMH Farm or Personal Liability Policy
  • FMH Crop Hail Policy

A discount of 5% applies to the FMH P&C policies
(Discount does not apply to FMH Crop Hail policies at this time)

Cloud Package 4

Combination of 4 Policies

7% DISCOUNT

Requires a combination of any four of the following FMH policies issued with one insured:
 
  • FMH Personal Auto Policy
  • FMH Farm Property Policy
  • FMH Farm or Personal Liability Policy
  • FMH Crop Hail Policy

A discount of 7% applies to the FMH P&C policies
(Discount does not apply to FMH Crop Hail policies at this time)

Definitions and Eligibility Rules

Definitions

FMH Farm or Personal Liability Policy - requires the insured’s primary liability policy coverage be written with FMH.
FMH Farm Property Policy – requires that the primary home and/or an active farm property coverage be written with FMH or an affiliated farm mutual.
FMH Personal Auto Policy – requires that the primary personal automobile coverage be written by FMH.

Eligibility Rules

  • All supporting FMH policy numbers must be provided by agent when applying for the Cloud Package Discounts.
  • Cloud Package Discounts can only be applied to new business at the time of application.
  • Cloud Package Discounts can only be added to existing business on policy anniversary date.
  • If one of the participating policies in the Cloud Package cancels or is non-renewed, the Cloud Package Discount will remain unchanged on the remaining  policies until their respective anniversary dates.
  • The Cloud Package discounts are not applicable to any FMH annual minimum policy premiums.
  • FMH Workers Compensation and FMH Umbrella Coverage do not qualify for the Cloud Package Discounts.
  • All underwriting requirements take precedence and are applicable to all policies.