Farm Property is structured similarly to Homeowner Policies as it contains coverage for the Dwelling, Other Structures, Personal Property, and Loss of Use but has additional farm coverages for Scheduled Farm Personal Property, Unscheduled Farm Personal Property, and Farm Structures.

Dwelling coverage may have special limitations for antennas or satellite dishes.  Be sure to include extra limits for outside wiring.

Other Structures coverage would provide insurance for unattached structures.  However, any building used in farming must be scheduled under the Farm Structures portion of the policy.

Personal Property applies to your non-farming personal property.  This is the contents of your home.  There are special value limitations on certain types of personal property such as money, jewelry, firearms, and silverware.  Ask for the specific limitations so you can be sure you are properly protected in the event of a loss.  Special endorsements are available to increase the limitations.

Scheduled Farm Personal Property may include hay, grain, farm products, computers related to farm management, tools and equipment, and livestock.  Each class of property will be covered by a specified amount listed on the declarations.

Unscheduled Farm Personal Property provides coverage on a blanket basis and could be subject to an 80% coinsurance requirement.  Types of property covered may include equipment, supplies, and products of farming operations.  This could include feed, seed, fertilizer, livestock, poultry, grain, produce, and agricultural machinery and equipment.  There are special value limitations on unscheduled livestock.

Farm Structures include barns, silos, fences, and outdoor radio and television equipment.