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Combination Package Policy

Residence and Contents (Class A)


  • Fire or Lightening
  • Windstorm or Hail
  • Explosion
  • Aircraft
  • Vehicles
  • Riot or Civil Commotion
  • Vandalism and Malicious Mischief
  • Smoke
  • Theft
  • Glass Breakage
  • Sinkhole Collapse
  • Volcanic Action


Includes Basic Perils Plus:

  • Falling Objects
  • Collapse of a Residence
  • Sudden and Accidental Tearing Apart of Heating Systems
  • Accidental Discharge of Liquids or Steam
  • Freezing of Plumbing, Heating systems and Appliances
  • Sudden and Accidental Damage from Electrical Currents
  • Weight of Ice, Snow or Sleet


  • Coverage for accidental losses (including all Basic and Broad Perils) except those specifically excluded in the policy.


Includes all coverages of the Special Form as well as the following extras:

  • Expanded Coverage Replacement Cost on Your Residence
  • Replacement Value on Your Personal Property
  • Special Form Coverage on Your Personal Property
  • $1,000 Refrigerated Food Coverage
  • Personal Injury
  • Watercraft Liability and Medical Payments (includes coverage for motors 100 HP and less)


  • $250 on Outdoor Radio and Television Equipment
  • $500 on Fire Department Service Clause
  • $1,000 on Credit Card, Forgery or Counterfeit Money


  • Theft Coverage Extension for Dwelling Under Construction 
  • Inflation Guard (required for Dwellings with Replacement Cost)
  • Replacement Cost Endorsement for Coverage C—Household Personal Property
  • Special Form—Household Personal Property
  • Sewer Back-up

Personal Property Limitations

May be increased with specific coverage

$200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins, etc.

$2,000 on securities, commercial paper, stamps, philatelic property, tickets, accounts, deeds, etc.

$2,000 on antiques and collectibles.

$2,000 on watercraft including their trailers, equipment, accessories, and outboard motors.

$5,000 on motorized vehicles used to service the insured premises and not designed or licensed for use on public roads. This coverage does not apply to recreational motor vehicles.

$1,000 on cemetery markers, headstones and urns.

$2,000 on horse tack, saddles, bridles and related items.

$2,000 on ice fishing houses and related fixtures.

$1,000 on devices for receiving, transmitting, recording or playing back data, sound or picture operated from electrical system of ‘motorized vehicle’ or watercraft.

$1,500 on computer hardware, software, related equipment and accessories.

*$2,000 on jewelry, watches, precious or semi-precious stones, gems or furs applying to theft only; or

*$2,000 on silverware, goldware, pewterware and items plated with gold or silver applying to theft only.

*$2,000 on guns and gun accessories, including antique and collectible guns applying to theft only.

The following property is covered only while on the insured premises and is limited to the amounts stated: 

$2,500 on business property, but excluding any coverage to property held for sale or resale; or

$2,000 on trailers not used with watercraft.

* applies to theft, misplacing or losing with Special Form.

Farm Property (Class E—Scheduled) (Class F—Unscheduled)


  • Fire or Lightening
  • Windstorm or Hail
  • Explosion
  • Theft
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism and Malicious Mischief
  • Sinkhole Collapse
  • Volcanic Action


Includes Basic Perils Plus:

  • Collision or Overturn
  • Death of Livestock Resulting From
    • Electrocution
    • Attack by Dogs or Wild Animals
    • Accidental Shooting
    • Drowning
    • Building Collapse


  • Leased, Rented or Borrowed Farm Machinery, Vehicles and Equipment
  • Glass Coverage—Mobile Farm Equipment
  • Farm Operations Records Expenses
  • Peak Season Inventory
  • Farm Extra Expense
  • Loss of Income (Dairy and Hogs)
  • Blizzard Coverage—Livestock
  • Livestock Confinement Coverage
  • Special Form—Farm Machinery

Outbuildings (Class G)


  • Fire or Lightening
  • Windstorm or Hail
  • Explosion
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism and Malicious Mischief
  • Theft
  • Sinkhole Collapse
  • Volcanic Action


  • Replacement Cost Coverage and Special Form—Included on Class G-1 and G-1S Buildings
  • Collapse of Buildings Due to Weight of Ice, Snow or Sleet—Included on Class G-1, G-1S and G-2 Buildings


  • Installed Equipment Breakdown
  • Debris Removal

Special Package of Coverages

$500 Outdoor Antenna Coverage
$500 for Outside Wiring and Supports Coverage

$250 Coverage for Added Perils for Refrigerated Foods
$250 Coverage on Fences Incidental to the Dwelling


Farm Personal Liability Coverage provides Personal, Farm Operations and Premises Liability and Medical Payments to Others. 

Included without Additional Premium Charge:

  • Outboard Motors 50 HP or Less (100 HP on Delux Dwelling Plus)
  •  Fire Legal Liability for Limits of Policy
  • $1,000 Coverages for Damage to Property of Others (Higher Limits Available)
  • Employers Liability for Part Time Employees Working 40 Days or Less Per Year
  • $100,000 Property Damage for Spray Drift of Agricultural Chemicals
  • $50,000 Coverage for Farm Pollution/Clean Up ($1,000 Deductible)

Optional Liability Endorsements

  • Additional Residence Premises Maintained
  • Babysitting (1-5 Children Only)
  • Employers Liability and Medical Payments for Full Time Employees
  • Outboard Motor Boats (51 HP and Over)
  • Inboard and In/Outboard Motor Boats
  • Residence Premises Rented to Others
  • Hunting on Insured Premises
  • Snowmobile and ATV Liability
  • Farmer’s Medical Payments
  • Personal Injury
  • Incidental Office Occupancy
  • Incidental Business Pursuits

Inland Marine (Optional Scheduled Coverage)

Covering nearly all perils for special property such as:

  • Antiques
  • ATVs
  • Boats, Motors and Trailers
  • Cameras
  • Camper Trailers
  • C.B.Radios
  • Computer Equipment
  • Fine Arts
  • Furs
  • Golf Carts
  • Golf Equipment
  • GPS/Auto Track Systems
  • Guns
  • Jewelry
  • Musical Instruments
  • Personal Watercraft
  • Portable Tools
  • Silverware
  • Snowmobiles
  • Stereo Equipment
  • Trailers

All coverages and perils described herein are subject to all terms, definitions and conditions of the policy. Contact your agent and refer to policy forms for exact coverage provisions.