Farmers Union Mutual Insurance's SPECIAL Farmowners Policy offers you exceptional peace of mind. It provides complete, cost-effective protection for most farm loss situations. You can customize your coverage to fit your specific needs.

Your Farmers Union Insurance policy covers most perils which commonly threaten your farm operation, including fire and lightning, wind and hail, explosion, aircraft and vehicle damage, smoke damage, vandalism, theft, overturn and collision.

• BUILDINGS: Coverage of your main dwelling and all additions, as well as other farm structuresadditional dwellings, barns, buildings, sheds, structures and permanent fixtures. Materials and supplies on the premises to be used for construction or repair of insured buildings are also covered.
  
  As you build or make improvements on your dwelling, those improvements (plus related materials and supplies) are automatically covered until the date of your next premium. Outbuilding additions and improvements are also covered automatically until the date of your next premium.
  
  
• FARM PERSONAL PROPERTY (Unscheduled): Property and equipment related to farm operation is covered throughout the state of North Dakota and within 100 miles outside its borders.
  
  
• LIVESTOCK AND GRAIN (Unscheduled): Livestock is covered throughout the state of North Dakota and within 100 miles outside its borders. Harvested crops stored on your farm can be covered; claims are paid on market value at the time of loss.
  
  
• FARM PERSONAL PROPERTY (Scheduled): Covers tools, machinery, livestock, as well as hay and feed for livestock. Includes broken glass on insured farm machinery.
  
  
• ADDITIONAL OPERATING EXPENSE: Covers additional operating expenses incurred because of damage or loss to covered farm personal property, livestock and/or farm outbuildings. Extends for 60 days after loss

• Credit cards, fire department charges, fire extinguisher refills, collapse on farm personal property and refrigerated products.

• Sump pump coverage (dwellings covered under Coverage A)
  
• Outbuilding collapse
  
• Freezing or smothering of livestock
  
• Satellite dish and/or television antenna
  
• Farm liability coverage
  
• Chemical spillage

*Subject to policy limits and exclusions.

Provides Personal Liability and Medical Payments to Others coverage for damage for which you are legally liable.

Chemical Spillage

Provides insurance for damage you caused by sudden and accidental spillage of agricultural chemical products in the course of your farming operation.