Pennsylvania Farmowners Insurance
The farmowners insurance program provides the same coverage as our homeowners program but also provides liability coverage for your ‘farming’ or ‘farming activities’ and allows for adding farm buildings, farm personal property, livestock, farm equipment, produce, and supplies. Optional coverages that can be added to your policy may include animal perils; farm machinery glass; weight of ice, snow & sleet for buildings; borrowed farm machinery; and fencing. In addition, we offer our Home Systems Protection (equipment breakdown) with Service Line Coverage for your home and Farm Equipment Breakdown coverage for the farm to further enhance your policy. For more details on these, see Home Systems Protection, Service Line, and Farm Equipment Breakdown coverages.
Home Systems Protection
BEDFORD GRANGE MUTUAL’S Home Systems Protection, fills in coverage gaps found in traditional homeowners forms for mechanical and electrical breakdown of your home systems, appliances and electronics homeowners value and rely on for everything from heating and cooling, water and power equipment, to communications, security and entertainment. It addresses breakdown risks all homeowners like you have, providing you broader coverage including an incentive opportunity to upgrade your existing equipment or appliance with a more efficient one when damaged by a covered cause of loss and if it requires replacement. Even Loss of Use and Spoilage (sub-limited) is provided for you under Home Systems Protection.
COVERAGE INCLUDES:
- Systems: Electrical generation and distribution, heating and cooling, air and water filtration, central vacuum, home security systems, swimming pool and sauna equipment and more.
- Appliances: Refrigerators and freezers, cooktops, ovens, dishwashers, clothes washers and dryers and more.
- Electronics: Computers, medical devices, televisions, sound systems, tablets, phones, game consoles and more.
Service Line Protection
Available to our Homeowners, Farmowners, Mobile homeowners (with tie-downs) and Dwelling Fire policyholders.
Bedford Grange Mutual’s Service Line coverage pays to repair or replace your homeowner-owned, exterior underground water and sewer piping, electrical service lines and data lines that fail and are damaged.
The program fills a critical coverage gap for you; the homeowner, who often don’t realize they are responsible for the repair or replacement of the outdoor underground service lines from the main connection usually at the street to their house, and behind their house to a well, septic tank, or an out-building when damaged due to a service line failure.
You may also have to pay for your damaged outdoor property such as trees, shrubs and driveways when damaged as a result. Know that service line failures are not covered by the typical homeowner insurance coverage forms.
You would be covered for a service line failure defined as physical damage that results in a leak, break, tear, rupture or collapse of a pipe or line. Physical damage can be caused by external events such as root invasion, deterioration, freezing and electrical arcing.
Farmowner's Equipment Breakdown w/Home Home Systems Protection
Farming has changed. So have the risks. Farming has always been an equipment-intensive business but, in recent years, changes have increased farm equipment risks. Modern farm technology is subject to power quality problems that can damage sensitive circuitry. And conventional machinery now has to be run harder and longer. Yet most farmowners policies exclude equipment risks.
Potential critical coverage gaps found in traditional Farmowners policy forms for exposures directly impacting your farm operations and home equipment and machinery as well as your home’s exterior underground service lines and pipes are now being provided with the following coverages.
Farm Operations’ Equipment Breakdown Coverage:
With Farmowners Equipment Breakdown coverage, potential critical exposure gaps found in traditional Farmowners coverage forms are now covered for mechanical breakdown, electrical arcing, and steam explosions causing physical damage to a wide range of critical farm operations machinery and equipment:
• Deep well pumps
• Electrical distribution systems
• Hot water heaters
• Generators
• Heating, ventilation & cooling systems
• Farm business computers
• Farm refrigeration units
• Computer Controlled equipment
• Boiler & pasteurization equipment
• GPS devices
• Stationary machinery, engines & motors
• Irrigation equipment (system parts as defined)