Farm Dwelling Advantage
Backup of Sewers or Drains
Pioneer will pay up to $5,000 for:
- Direct loss caused by water that backs up through sewers or drains
- Water that enters your home because of a failed sump pump
Please Note: a $250 deductible applies
Debris removal for trees, shrubs and other plants
Coverage is increased by $500 for total of $1,000 per occurrence.
Cyber Protection Coverage
Pioneer will pay up to $25,000 for:
- Cyber Protection
- Cyber Extortion
- Online Fraud
- Data Breach
- Identity Recovery (including Case Management)
Refrigerated Products
Provides an additional $750 of coverage (in addition to $250 provided by your policy) for charges incurred if your refrigerator breaks down
Ordinance or Law Coverage
Pioneer will pay up to 10% of Coverage A (the Dwelling Coverage) to:
- Repair, replace or remodel a covered building damaged or demolished by a peril
- Remove debris resulting from construction/renovation due to a peril
Farm Property Advantage
Fire Extinguisher Recharge
Coverage is provided for up to $75 per extinguisher / $500 per occurrence.
Rental Reimbursement
If your farm machinery becomes damaged by a peril, and you do not have other equipment to use in the meantime, Pioneer will reimburse up to $2,000 for the rental of substitute farm machinery/mobile equipment from a farm implement dealer while the damaged one is being repaired.
Outdoor Detached Signs
Provides up to $3,000 for each detached sign damaged by a peril.
Please Note: a $250 deductible applies
Lock and Key Replacement
Pioneer will pay up to $1,000 per occurrence to replace door locks and/or tumblers of a covered dwelling and/or farm building due to theft.
Borrowed, Rented or Leased Farm Machinery
Coverage is increased by $100,000 to total of $150,000 in any one loss.
Damage to Property of Others
Coverage is increased by $2,500 for a total of $3,000.
Fire Department Service Charge
Coverage is increased by $500 for total of $1,000.
New Construction of Farm Buildings
Coverage is increased by $125,000 for a total of $150,000 for new permanent barn on an insured location.
Silage Rebagging
Coverage is added up to $5,000 to refill silage bags that were damaged by wind or hail. Note: coverage only applies to the silage bag, not the contents.
Please Note: a $500 deductible applies
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This brochure is intended to highlight overall features. Please refer to the policy form for limits automatically included, and to the actual endorsement for specific requirements, coverages and exclusions.
Learn more about farmowners insurance with Pioneer State Mutual.
Credits:
Created with images by maksymowicz - "American Countryside" • Tomasz Zajda - "Aged Barrow in the Barn"