Farmers Mutual's policies are only available in Nebraska and South Dakota. Our policies are marketed through and serviced by independent insurance agents. These agents are business people who live in your community and are able to sit down with you and discuss an insurance program that is best suited for your needs.

Other insurance programs offered:

Dwelling Property

Dwelling Owners

Personal Liability Protection

Recreational Vehicle

This is a non-package policy designed primarily to provide coverage on the non-owner occupied dwelling and its contents.

Three coverage forms are available:

DP-1 Basic Form

DP-2 Broad Form

DP-3 Special Form

This program is designed for the (non-farm) homeowner whose dwelling does not qualify for the broad coverage provided by our Homeguard policies. Dwellings eligible for this program include those in need of minor, ordinary maintenance repairs and/or those where the market value is considerably less than the cost to replace the dwelling with new materials.

Section I provides coverage for the following items:

Dwelling

Other Structures

Personal Property

Loss of Use

Two coverage forms are available:

Dwelling Owners 1 Basic Form

Dwelling Owners 2 Broad Form

Many optional coverages are available and can be added by endorsement. These include but are not limited to:

Replacement Cost Coverage on Household and Personal Effects

Increased limits for Money, Jewelry, Silverware, Guns and Business Property

Scheduled Property similar to those offered by the Homeguard

Premiums credits are available for:

Smoke Alarms, Fire Extinguishers and Dead Bolt Locks

Higher deductibles are available. The higher the deductible the lower the premium.

Section II provides the following coverages:


Coverage L - Personal Liability

This pays the insured's legal liability for damages to others because of bodily injury or property damage arising out of the ownership or operation of the insured premises, or from the insured person's personal activities. This also pays the cost to defend the insured for liability covered by the policy until we have paid an amount equal to the limit of liability of the policy.

Coverage M - Medical Payments to Others

This pays (without regard to legal liability) for necessary medical services for each person not residing on the insured premises who is injured in an accident while on the insured premises with permission, or while elsewhere if the injury arose out of the insured premises or was caused by the activities of an insured.

Additional Coverages

Claim Expense

First Aid Expense

Damage to Property of Others

This pays for unintentional damage to property owned by others caused by an insured, subject to the exclusions in the policy.

Optional Coverages

Watercraft Liability

Additional Premises Rented to Others

Incidental Office, Professional, Private School, Child Care or Studio Use

Seasonal or Additional Residence Premises

Waterbed Liability

Business Pursuits (not a business owned or financially controlled by the insured)

Personal Injury Liability

This policy provides comprehensive personal liability protection. This is the same coverage provided in Section II of the Homeguard and Dwelling Owners package policy.

This policy provides the following coverages:

Coverage L - Personal Liability

This pays the insured's legal liability for damages to others because of bodily injury or property damage arising out of the ownership or use of an insured premises or from the insured person's personal activities. This also pays the cost to defend the insured for liability covered by the policy until we have paid an amount equal to the limit of liability of the policy.

Coverage M - Medical Payments to Others

This pays (without regard to legal liability) for necessary medical services for each person not residing on the insured premises who is injured in an accident while on the insured premises with permission, or while elsewhere if the injury arose out of the insured premises or was caused by the activities of an insured.

Coverage N - Damage to Property of Others

This pays for unintentional damage to property owned by others caused by an insured, subject to the exclusions in the policy.

Optional Liability Coverages

Additional Residence Premises

Additional Non-Farm Premises Rented to Others

Incidental Office, Professional, Private School, Child Care or Studio Use

Business Pursuits (not a business owned or financially controlled by the insured)

Watercraft Liability

Our Recreational Vehicle Policy is used to provide coverage for land motor vehicles that are designed for use off public highways and used principally for leisure time activities or agricultural purposes.

Types of recreational vehicles eligible:

All Terrain Vehicle

Golf Cart

Dune Buggy

Minibike

Trail Bike

Snowmobile