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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. Not all discounts are available in all states. For Colorado policyholders or applicants: Discounts are not available for wildfire risk-reduction work done on your property or community-level safety efforts, such as a neighborhood earning a recognized safety status.