Covers:

• Your home
• Personal property
• Related private structures
• Additional living costs and loss of rents

Also included with certain limitations:

• Inflation guard
• Emergency & debris removal
• Landslide
• Credit card-forgery-counterfeit money
• Personal property replacement cost
• Trees-shrubs-plants-lawns
• Grave markers
• Glass breakage
• Outdoor radio-TV-satellite dish antennas
• Well pumps
• Private power & light poles
• Refrigerator food spoilage

Available enhancements:

• Earthquake
• Backup of sewers-drains-sumps
• Sprinkler leakage
• Scheduled personal property: All risk for jewelry-guns-gems-furs
• Computers
• Business property
• Expanded replacement cost terms

FARM COVERAGE

Covers:

• Your farm barns, building, silos, additional farm dwellings and other structures.
• Farm personal property including products, supplies, equipment, implements, tools and livestock.

Also included with certain limitations:

• Borrowed farm equipment
• Poultry & livestock coverage extensions
• Silo & silo unloader broadened coverage
• Unborn embryo coverage
• Farm extra expense
• Emergency & debris removal
• Pollutant cleanup & removal
• Farm signs
• Glass breakage in cabs
• Farm operations record
• Specified power failure loss assumption

Available enhancements for purchase include:

• Added animal perils
• Fence coverage
• Reproductive materials
• Replacement cost-machinery
• Loss of earnings
• Agreed utility value-barns
• Weight of ice-rain-sleet-snow,
• Earthquake
• Special perils-barns & machinery
• Replacement cost
• Peak season coverage

PERSONAL LIABILITY

Covers:

• You and your spouse, resident dependent relative, pets and farm animals

Pays for:

• Damages due to bodily injury and/or property damages, for which you are legally liable, caused by an occurrence arising from or in the course of your personal or farming activities.
• Reasonable medical expenses for bodily injury to visitors and guests on your farm.

Also included with certain limitations:

• Defense & legal costs
• Damage to property of others
• Contracts & agreements
• Personal injury
• Watercraft
• Sudden & accidental pollution liability
• First aid expenses for others
• Custom farm work
• Fire legal liability

Available enhancements for purchase include:

• Additional residences
• Farms or structures rented to others
• Care provided for others
• Business activities
• Office-professional-private school or studio on the farm premises
• Employers liability only when Workers Comp does not apply
• Custom farming
• Recreational motor vehicles
• Unregistered farm truck
• Horse & carriage
• Other incidental business pursuits

TIPS FOR REDUCING YOUR PREMIUM

You may qualify for the following discounts:

• Farmowner/auto discounts
• New home discounts
• Deductible options
• Payment plan options

This is not a policy. The features found here may or may not be included in your policy depending on the type of coverage you select. Please refer to your policy for specific coverage or contact us for assistance.

Hostetler Insurance Associates Inc. is licensed to conduct business in Pennsylvania. The information on this site is a solicitation to conduct business only in the aforementioned state of authority.