With an upgraded system we have also updated coverages for Homeowners, Mobile Homeowners, Condo, and Renters policies.

Homeowners

Mobile Home

Condo

Renters

Builders Risk

Please contact your Farm Bureau Agent to review what coverages work best for your needs.

Homeowners

NEW Policy Upgrades

By renewing your policy, you now have additional coverages and potential increased limits above your previous policy.
New policy offerings that are now available include the Select Plus Endorsement and Select Premier Endorsement. The chart below explains the benefits of upgrading your policy.

Please note, if you previously had the Homeowners Plus or Homeowners Select Endorsement you will now have Select Plus endorsement at time of renewal.  

New Home Systems Protection Coverage

This coverage is automatically included in every Homeowners policy. It includes up to $50,000 of coverage for covered equipment, such as a furnace, for direct physical damage that results in a covered accident. To review this coverage in more detail, contact your Farm Bureau Insurance Agent.

New Cyber Protection Coverage

This coverage provides up to a $25,000 maximum aggregate limit resulting from a cyber loss. This coverage is more than just a data breach or opening a malicious email; it includes coverage for:

• Identity theft
• Cyber bullying
• Cyber extortion
• Credit card fraud
• Data recovery
• System restoration

Cyber Protection is automatically included with your Homeowners policy.

New Underground Service Line

This new coverage provides up to $10,000 for direct physical loss or damage to covered service lines resulting from service line failure. Excavation costs, expediting expenses, outdoor property, loss of use, and green environmental, safety and efficiency improvements could also be covered if the loss is a direct result of a service line failure. The insured must own or be responsible for the repair or replacement of the service line. This includes exterior underground piping and wiring which provides the following services to the residence premises: communications, compressed air, drainage, electrical, heating, waste disposal, and water. It does not include septic systems, water wells, heating/cooling systems or irrigation/sprinkler systems. This coverage is automatically included in the base policy. Pricing is based on the age of the dwelling.

Mobile Homeowners

New Policy Upgrades

By renewing your policy, you now have additional coverages and potential increased limits above your previous policy.

New policy offerings that are now available include the Select Plus Endorsement and Select Premier Endorsement. The chart below explains the benefits of upgrading your policy.

Please note, if you previously had the Homeowners Plus or Homeowners Select Endorsement you will now have Select Plus endorsement at time of renewal.

New Home Systems Protection Coverage

This coverage is automatically included in every Mobile Homeowners policy. It includes up to $50,000 of coverage for covered equipment, such as a furnace, for direct physical damage that results in a covered accident. To review this coverage in more detail, contact your Farm Bureau Insurance Agent.

New Cyber Protection Coverage

This coverage provides up to a $25,000 maximum aggregate limit resulting from a cyber loss. This coverage is more than just a data breach or opening a malicious email. It includes coverage for identity theft, cyber bullying, cyber extortion, credit card fraud, data recovery, and system restoration. Cyber Protection is automatically included with your Mobile Homeowners policy.

New Underground Service Line

This new coverage provides up to $10,000 for direct physical loss or damage to covered service lines resulting from service line failure. Excavation costs, expediting expenses, outdoor property, loss of use and green environmental, safety and efficiency improvements could also be covered if the loss is a direct result of a service line failure. The insured must own or be responsible for the repair or replacement of the service line. This includes exterior underground piping and wiring which provides the following services to the residence premises: communications, compressed air, drainage, electrical, heating, waste disposal, and water. It does not include septic systems, water wells, heating/cooling systems or irrigation/sprinkler systems. This coverage is automatically included in the base policy. Pricing is based on the age of the dwelling.

Condo

New Policy Upgrades

By renewing your policy, you now have additional coverages and potential increased limits above your previous policy. New policy offerings that are now available include the Select Plus Endorsement and Select Premier Endorsement. The chart below explains the benefits of upgrading your policy.

Please note, if you previously had the Homeowners Plus or Homeowners Select Endorsement you will now have Select Plus endorsement at time of renewal.

New Home System Protection Coverage

This coverage is automatically included in every Homeowners policy. It includes up to $50,000 of coverage for covered equipment, such as a furnace, for direct physical damage that results in a covered accident. To review this coverage in more detail, contact your Farm Bureau Insurance Agent.

New Cyber Protection Coverage

This coverage provides up to a $25,000 maximum aggregate limit resulting from a cyber loss. This coverage is more than just a data breach or opening a malicious email it includes coverage for identity theft, cyber bullying, cyber extortion, credit card fraud, data recovery and system restoration. Cyber Protection is automatically included with your Homeowners policy.

New Underground Service Line

This New coverage provides up to $10,000 for direct physical loss or damage to covered service lines resulting from service line failure. Excavation costs, expediting expenses, outdoor property, loss of use and green environmental, safety and efficiency improvements could also be covered if the loss is a direct result of a service line failure. The insured must own or be responsible for the repair or replacement of the service line. This includes exterior underground piping and wiring which provides the following services to the residence premises: communications, compressed air, drainage, electrical, heating, waste disposal, and water. It does not include septic systems, water wells, heating/cooling systems or irrigation/sprinkler systems. This coverage is automatically included in the base policy. Pricing is based on the age of the dwelling.

Renters

New Policy Upgrades

By renewing your policy, you now have additional coverages and potential increased limits above your previous policy.

New policy offerings that are now available include the Select Plus Endorsement and Select Premier Endorsement. The chart below explains the benefits of upgrading your policy.

Please note, if you previously had the Homeowners Plus or Homeowners Select Endorsement you will now have Select Plus endorsement at time of renewal.

New Cyber Protection Coverage

This coverage provides up to a $25,000 maximum aggregate limit resulting from a cyber loss. This coverage is more than just a data breach or opening a malicious email. It includes coverage for identity theft, cyber bullying, cyber extortion, credit card fraud, data recovery and system restoration. Cyber Protection is automatically included with your Homeowners policy.

Builders Risk

New Policy Upgrades

A Builders Risk policy is the perfect policy for clients who are building a new home. It helps protect a home while it is under new construction. It can provide additional coverage for expenses not directly related to construction; for example, if property damage causes a delay in construction. Coverage for a Builders Risk policy include:

Schedule Personal Articles (SPA) Updates

We have also made updates to our Scheduled Personal Articles (SPA) Coverage. This coverage provides insurance for your valuable possessions that may require more coverage.

Did you know we now cover the following items with our Scheduled Personal Articles coverage.

• Cell Phones
• Medical Devices
• Wheel Chairs/Handicap Scooters

We continue to provide coverage for the following items but now will see them categorized as “Miscellaneous” on your declaration page.

• Coin Collections
• Computers and Electronic Equipment
• Computers and Electronic-Laptops
• Golfers Equipment
• Lawn Equipment - Off Premises
• Satellite Dishes
• Silverware
• Stamp Collections

The terms and conditions of coverage have not changed. For questions regarding this update, contact your Farm Bureau Insurance Agent.

Additional Coverages to Review:

It is recommended to review your policy with your agent every year it renews. Some of the coverages below have options to increase limits of insurance to better fit your needs.

• Homeowners Personal Liability Limit
• Homeowners Medical Payments
• Water Backup and Sump Discharge or Overflow
• Loss Assessment
• Personal Injury
• Ordinance or Law
• Fire Department Service Charge