Part-time Interests Need Full-time Protection

Hobby Farm owners have unique exposures that are excluded on a residential insurance policy yet may not require the many coverages associated with a working farm. Rural Route combines all the protection you need in one cost-effective package.

Eligibility

• Up to 100 acres
• Maximum farm income $10,000 per year
• No more than 10 head of livestock
• Dwelling built in 1965 or later
• No custom farming
• No horse boarding, training or riding facilities

Residential Coverages

• Comprehensive coverage on dwelling
• Guaranteed replacement cost
• Single inclusive limit
• Non farm-use outbuildings included
• Contents include saddle, harness & tack

Farm Coverages

• $25,000 combined limit on farm equipment, produce and livestock
• Additional $25,000 limit for scheduled farm-use outbuildings less than 20 years old
• Increased limits available
• “All-risks” coverage on equipment, produce and scheduled outbuildings

Liability Coverages

• Personal and farm liability up to $2,000,000
• Includes farmers limited pollution liability Deductible
• $500 minimum
• Higher deductibles available for premium reduction