Farmowners
Whether you are a full time farmer or just living in the country, you have special insurance needs our broad Farmowners policy can cover.*
Coverages provided under a Farmowners policy include your primary residence, tenant homes and mobile homes, farm structures, liability, loss of income, equipment and livestock.
Optional Coverages Available
- Replacement Cost Coverage for your residence and personal property
- Protection for mobile farm machinery and livestock
- Farm and personal liablity protection
Equipment Breakdown Coverage
If it uses electricity, it's most likely subject to equipment breakdown. We offer this additional coverage at a very reasonable cost. Items covered in your home include home security systems, appliances, computers and electronics, swimming pools, furnaces, water heaters, and air conditioning systems. Exposures in farm buildings include boilers and pressure vessels, mechanical and electrical equipment.
You also have the GREEN option at no additional cost. This feature provides coverage for those additional costs incurred in replacing covered property with equipment that is better for the environment, safer and more efficient than the original damaged property. We even cover the cost to hire an accredited green consultant to assit in the design and reconstruction.
Discounts and Credits
Age of Home Discount. A discount applies to your premium for new homes up to 15 years old.
Fire Prevention Credit. You receive a credit for chimney inspection and cleaning if you have a woodstove
Home Safety Credits. You receive premium credits for fire extinguishers, smoke alarms, and deadbolt locks.
Central Station Alarm Discounts. If your main residence is protected by a central station monitored burglar and/or fire alarm you are elibigle for premium discounts.
Multi-Policy Discount. You receive a discount if your Farmowners and Auto policies are with Rockingham
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*Farmowners available in VA only
