1. A broad package of Property and Liability coverages provides most of the protection needed for farms of all sizes.

2. The package policy eliminates the need for several different policies and saves premium dollars. All coverages are written through one company.

3. Choices of Basic, Broad, or Special perils, plus optional coverages, tailor protection to your individual needs.

4. Renters' form coverage is available for non-owner occupants of farm dwellings.

5. Replacement cost coverage for personal property may eliminate depreciation subject to policy conditions.

6. Farm truck coverage can be placed with our Company.

7. Protection for boats, guns, jewelry, furs, and fine arts are also available under the package policy.

8. Loss of Income protection is available as an option.

9. Television antennas, satellite dishes, well pump for the main dwelling, and private power and light poles are automatically covered.

WE LISTEN

We're large enough to offer the financial strength and stability needed in today's uncertain world. Yet, we're small enough to meet the individual needs of our customers. With Columbia Insurance Group, you get the best of both worlds!

	A 100+ year tradition of excellence
	Superior customer service
	Friendly and professional employees
	Experienced management
	Exceptional claim service
	Competitive premium levels
	Diversified products
	Geographic spread of risk
	A strong financial base

Basic, Broad, or Special Perils may be selected for coverage of the dwelling.

	Basic Perils are those of "fire or lightning, windstorm and hail, explosion, riot or civil commotion, aircraft, vehicles, vandalism, volcanic action, sinkhole collapse, smoke, and theft"
	Broad Form Perils includes the Basic Perils but adds "falling objects, weight of ice, snow, or sleet, accidental discharge of liquids or steam, sudden and accidental tearing apart, burning or bulging, sudden and accidental damage from electrical currents, and freezing"
	Special perils protects the primary dwelling, appurtenant structures, and provides Additional Living Expense for "all risks of direct physical loss", with certain exceptions

Personal Property Coverages Included

	Money, Bank Notes, Bullion, etc. ($250)
	Securities, Stamps, etc. ($1500)
	Watercraft ($1500)
	Jewelry, watches, furs, guns, silverware or gold ware for loss by theft ($2500)
	Television antennas, satellite dishes, private power and light poles, and well pump servicing the main dwelling ($1500)

Optional Property Coverage Available

	Replacement Value for Household Personal Property
	Personal Property "Floaters"

	Barns, Buildings and Structures - Broad or Special Perils are available for certain farm buildings.
	Replacement Cost Coverage is available for certain farm buildings, including grain bins, barns, and outbuildings.
	Farm Signs are automatically included up to $500 in value.
	Earthquake, flood, and loss due to loading or unloading are included when insuring livestock.
	Described Machinery, Machinery Not Described, Rented or Borrowed Equipment, and Livestock are covered on or off your premises.
	Glass Breakage in cabs of Farm Machinery automatically covered up to $500. Higher limits are available.
	Grain in the open is covered for Fire, Lightning, Vehicles, Vandalism, or Theft when specifically insured.
	Property in the custody of a common or contract carrier is covered up to $1500. Higher limits are available.

	Weight of ice, snow or sleet
	Farm Machinery Special Perils coverage
	4-H and FFA Animals
	Computers and related equipment
	Loss of Income and Extra Expense Coverage

	Liability for your Personal and Farming activities under one policy.
	Custom Farm Work is covered subject to policy limitations.
	Insured Premises includes premises occasionally rented to an insured for "other than business purposes".
	Definition of "Insured" includes persons acting in the capacity of a real estate manager for the insured premises.
	Liability Limits begin at $100,000 per occurrence. Higher limits are available.
	Damage to Property of others is included for a limit of $500 per occurrence.

Coverage for farm trucks may be written in conjunction with the Farmowner’s policy

Provides for additional Liability limits up to $5,000,000, in addition to the Liability limit provided in the Farmowners and Farm Truck policies

The Farm Properties Program can be used to provide protection for properties, which are not eligible for the Farmowners Program