Coverage Options | Farmowners Insurance | Shelter Insurance®

Coverage Options

Protect yourself with our farmowners insurance coverage options

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Shelter's farmowners insurance provides a range of coverage options.

Types of Coverage


Dwelling coverage applies to your private residence and any building structures that are attached to it. It also covers

  • Outdoor equipment permanently attached to your home and used to service your residence and its premises. This includes
    • Heating systems.
    • Cooling systems.
    • Water heating systems.
    • Water softeners.
  • On-site construction material you plan to permanently attach to your residence.
  • Working outdoor antennas or reception dishes.

Other Structures

Other structures coverage applies to structures that are permanently attached to the premises, but not to your dwelling. Examples include fences and sheds.

This coverage doesn't apply to outdoor radio or television equipment or structures that are used for business purposes.

Personal Property

Personal property coverage applies to the contents of your home and other structures. If your property is somewhere other than where you live – like a vacation home – it will still be covered (although at a reduced limit).

For property that has a special value or is unique, we provide special coverage limits. Property that falls within this category includes

  • Money, bank notes, bullion, coins, and medals.
  • Securities, stamps, tickets, deeds, and passports.
  • Jewelry, watches, furs, and gold (if stolen).
  • Silverware and gold ware (if stolen).
  • Business property on- or off-premises.

If personal property coverage isn't sufficient for your needs, it may make sense to insure these items with a personal articles insurance policy.

Additional Living Expenses

Your property may be unlivable due to a fire or another covered loss. If so, additional living expenses coverage will reimburse you for the increased cost of living away from home. If you use the property to earn rental income (such as from a rented room or basement), we will reimburse you for the lost income for the time that part of the premises is unlivable.

Personal Liability

Liability coverage will help you pay for bodily injury and property damage that you are legally liable to pay. For example, if your child breaks the neighbor's window playing baseball, or if a visitor slips and falls on your icy sidewalk, your personal liability coverage can help protect you.

Medical Payments

Medical payments coverage will help you pay for reasonable medical payments if someone is accidentally hurt or injured

  • While on your property.
  • Through some activity that involves you or your family members.

Medical payments coverage will not apply to injuries sustained by you or members of your family who live with you.

Debris Removal

Debris removal coverage pays the reasonable expenses to remove debris following a covered loss.

Emergency Removal of Property

Emergency removal of property coverage pays for damage to covered property that happens while you're trying to remove it in an emergency.

Necessary Repairs after Loss

It may be necessary to protect covered property from additional damage following a loss. This coverage pays for the cost of those repairs.

Fire Department Charges

Fire department charges coverage will reimburse you up to $500 of service charges if a fire department is called to protect your covered property.

Trees, Shrubs, Plants, and Lawns

Trees, shrubs, plants, and lawns coverage will pay for a loss, caused by certain perils, to trees, shrubs, plants, and lawns at your residence.

Credit Card Fraud and Check Forgery

Credit card fraud and check forgery coverage pays up to $1,000 for any liability resulting from the unauthorized use of your credit cards or from check forgery.

Other Coverage

The following coverage options are included with your farmowners insurance policy:

  • Working outdoor antenna coverage
  • 30 days of automatic coverage on newly acquired personal property
  • Thefts for some kinds of property taken from your car

The following liability coverage options are also included:

  • Family
  • Resident, non-farm employees not covered by workers compensation
  • Owned recreational motor vehicles on your premises
  • Swimming pools
  • Some outboard motors, inboard motors, inboard/outboard motors, sail boats, and personal watercraft
  • Motorized equipment, such as power lawn mowers, being used to service the premises

Additional Coverage Options

In addition to the items described above, you may be able to get coverage for the following items under your Shelter farmowners insurance policy:

Farm Personal Property

Optional farm personal property coverage applies to most items used in the operation of the farm. If you have high-value equipment or livestock, they may need to be insured separately under a farm equipment or farm livestock policy.

Farm Structures

Optional farm structures coverage applies to buildings used specifically for your farm. Farm structures might include barns, granaries, sheds, or additional farmhouses.

Other Options

  • Livestock
    • Accidental shooting by others
    • Attack by dogs or wild animals
    • Collapse of buildings, bridges, or culverts
    • Drowning
    • Loading or unloading of animals from uncommon carriers
  • Earthquake damage (not available in all areas)
  • Damaged caused by a sewer or drain back-up
  • Home day care business occupancy
  • Additional rented residences on premises (except businesses)
  • Accidental physical loss involving
    • Guns and related equipment
    • Silverware and goldware
    • Jewelry and furs
    • Personal computers
  • Piers, bulkheads, wharves, and docks
  • Replacement cost coverage on your personal property
  • Outbuilding collapse due to ice and snow
  • Peak season coverage for farm personal property
  • Extra expense coverage
  • Business sales and storage
  • Medical payments for named insureds engaged in farming operations


  • Farm employee injuries
  • Custom farming
  • Personal injury liability
  • Extended liability coverage for owned or rented farm premises
  • Liability protection for on-premises
    • Incidental offices
    • professional private schools
    • studio occupancies

Additional coverage options may vary by state. See an agent for details.

The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.