PHLY’s Farmowners insurance brings together five core coverages in a single, flexible policy that covers farm- and ranch-related property as well as farm vehicles and certain liability exposures. It includes:

Home and Contents for Farm Dwellings. This coverage protects homes on the farm, while personal property coverage extends to the belongings inside, such as computers or firearms.

Farm Personal Property. Machinery, tools, and other equipment used for a farm or ranch’s daily operations are covered. PHLY also offers Extended Replacement costs and Elite Property enhancements.

Structures. Farm and ranch barns, silos, and other outbuildings are also covered, with boiler or mechanical breakdown coverage available as well.

Liability. This protects farmers from third-party injury and property damage claims (with limits to $1M per occurrence / $2M aggregate), resulting from farming and ranching operations.

Commercial Auto. Both owned/non-owned and hired farm and ranch vehicles are covered for liability and physical damage with rental reimbursement available.

Inland Marine. This special coverage can be written for a range of specialized equipment and moveable property.

Umbrella Coverage. Any relevant policies can be combined under PHLY’s umbrella policy, ensuring farm and ranch operators additional liability coverage when it becomes necessary. PHLY has umbrella liability limits up to $5M.

Livestock Insurance: Niche Coverage

Our farm and ranch insurance underwriters have in-depth knowledge about agricultural niches, including livestock operations and farms that welcome the public.

• Horses. Our Equine Liability insurance provides protection for ranches and stables that breed, board, and/or train horses. PHLY’s Equine Liability insurance can also be underwritten to include care, custody, and control coverage for non-owned horses who are injured or die while in a policyholder’s care.

• Dairy Farms. Our Dairy Farm insurance accounts for the operational realities and risks of dairy farms, including hay fires, milk contamination, and livestock loss.

• Orchards and Vineyards. PHLY’s Farmowners policy covers orchards, groves, fruit and vegetable farms, and vineyards, protecting the land, structures, and equipment these operations rely on.

A Focus on Risk Management

PHLY backs its Farmowners insurance program with risk management tools that can catch problems before they become potential losses.

Ting Fire Safety Program. Aging electrical systems inside farm buildings can sometimes spark structure fires. To prevent them, PHLY offers eligible policyholders smart sensors through our partner, the Ting Fire Safety Program, at no additional cost. These sensors continuously monitor a building’s electrical system for faults.

PHLYTRAC. GPS telematics monitor driver behavior and provide live vehicle tracking of farm and ranch vehicles, including in cases of vehicle theft, at no additional cost to eligible policyholders.

The PHLY Difference: Minding the Gap

PHLY’s Farmowners insurance sets itself apart by combining the features of homeowners’ and commercial policies so that gaps in coverage don’t catch policyholders by surprise. Here are some of its highlights:

• Comprehensive General Liability coverage with limits to $1M per occurrence / $2M aggregate

• Flexible Property coverage for farm dwellings, household personal property, and scheduled and unscheduled (blanket) farm personal property

• Ordinance or Law coverage available

• Boiler or Mechanical Breakdown coverage available

• Umbrella Liability limits available up to $5M

Our application requires the following documents for proposal:

• Completed ACORD applications

• Current drivers’ list

• Currently valued insurance company loss runs for the current policy period plus three (3) prior years

• Supplemental applications as requested by underwriting

As an A++ (Superior) Rated Carrier with AM Best and a member of Tokio Marine Group, PHLY offers one of the best financial stability ratings in the industry. We’re also proud of our Ward’s 50 recognition for financial strength, claims performance, and consistently favorable underwriting.

Ready to submit a new Farmowners insurance policy? Log in to MyPHLY.com to submit new business, or call us directly at 800-873-4552.

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• Completed ACORD Applications

• Current Drivers List

• Currently valued insurance company loss runs for the current policy period plus three (3) prior years

• Supplemental Applications as requested by Underwriting