Covered Losses and Liabilities

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Shelter farmowners insurance offers protection for the expenses of the following covered losses and liabilities.

Covered Losses

  • Lightning
  • Wind or hail
  • Theft
  • Vandalism
  • Explosions
  • Breakage of glass
  • Riot or civil commotion
  • Damage by aircraft
  • Smoke
  • Property loss caused by vehicles
  • Volcanic eruption
  • Collapse of buildings
  • Falling objects
  • Weight of ice, snow, or sleet
  • Heating system loss
  • Chemical or acid spills (dwelling only)
  • Accidental damage to building (dwelling only)
  • Spilled paint (dwelling only)
  • Water backup resulting from ice blockage (dwelling only)

Covered Liabilities

  • Lawsuits based on your negligence
  • Medical expenses for others injured on premises
  • Damage to others' property, including unintentional activities
  • Your animals
  • Fire

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.