The Homeowners Program provides coverage for owner-occupied residencies, other structures on the premise such as a garage or outbuilding, personal property, personal liability and medical payments, debris removal, and additional living expenses. Many endorsements are available to tailor coverage to fit each individual customer's needs. Some examples of endorsements offered include: scheduling of specific items (guns, jewelry, musical instruments), ATV/UTV property damage coverage, personal property replacement cost, coal mine subsidence, refrigerated property coverage, and personal injury. We also offer contents policies for renters that include personal liability and medical payments coverage.
The Mobile Homeowners program provides coverage for owner-occupied mobile homes, other structures such as a garage or outbuilding, personal property, personal liability and medical payments, and additional living expense. We offer mobile home protection under an MH-1 form with no limit for age of the unit. Coverage is also available for awnings and porches under an MH-2 form along with a MH-4 for contents, personal liability and medical payments for renters of mobile homes. Other endorsements and coverage options are available.
The Farmowner program offers coverage for owner-occupied structures with farm related exposures. A standard farm policy covers the residence, personal property, personal liability, and medical payments. Endorsements are available to schedule farm buildings, sheds, barns, other structures, farm personal property, additional farm dwellings, animals and livestock, farm employee liability, and ATV/UTV property damage coverage.
The Dwelling Fire program offers coverage for 1-4 family owner-occupied or rental dwellings. Coverage is available for the dwelling, other structures, loss of rental income, personal property of the owner, coal mine subsidence, and earthquake coverage. We can also insure farm buildings, equipment, machinery, and barns that are located on non-owner occupied dwellings. Property coverage's available under the dwelling fire program include: fire, extended coverage, vandalism, and broad form.
The Commercial Fire program offers building, contents, general and OLT liability, and medical payments coverage for small offices, businesses, apartment buildings, and churches. Property coverages available under this program include: fire, extended coverage, vandalism, and broad form. Other endorsements with underwriting approval that are available include: plate glass, theft, outdoor signs, loss of rents, and coal mine subsidence.