Oklahoma Farm Bureau Mutual Insurance Company
Premier Farm and Ranch
BROAD COVERAGE POLICY
SFR-Bk02 12-2021
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Premier Farm and Ranch - Broad Coverage
Credit Card Coverages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Emergency Removal of Property . . . . . . . . . . . . . . . . . . . . . . . . .
Necessary Repairs After Loss . . . . . . . . . . . . . . . . . . . . . . . . . . .
Trees, Shrubs, Plants and Lawns . . . . . . . . . . . . . . . . . . . . . . . . .
Ordinance or Law . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Deductible. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Property Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Loss To A Pair or Set . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Our Payment of Loss . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Mortgage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Inflation Protection Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . .
Farm Property Section . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Scheduled Farm Personal Property - Coverage E1 . . . . . . . . . . . . . .
Property Not Covered . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Unscheduled Farm Personal Property - Coverage E2 . . . . . . . . . . . .
Property Not Covered . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Coinsurance Clause . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Farm Buildings And Structures - Coverage F . . . . . . . . . . . . . . . . . . .
Broad Coverage Part . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Perils We Insure Against . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Exclusions - Losses We Do Not Cover . . . . . . . . . . . . . . . . . . . . . . . .
How Losses Are Settled . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Personal Liability Section - II . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Personal Liability Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Personal Liability - Coverage G . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Medical Payments To Others - Coverage H . . . . . . . . . . . . . . . . . . . .
Additional Coverages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Damage To Property of Others . . . . . . . . . . . . . . . . . . . . . . . . . . .
The Following Expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
First Aid Expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Loss Assessment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Farm Liability Section - III . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Farm Employers' Liability - Coverage J . . . . . . . . . . . . . . . . . . . . . . .
Farm Employees' Medical Payments - Coverage K . . . . . . . . . . . . .
Medical Payments (Named Insured And Family) - Coverage M . . .
Animal Collision - Coverage N . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Personal and Farm Liability Conditions . . . . . . . . . . . . . . . . . . . . . . . .
Duties of an Injured Person . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Limits of Liability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Severability of Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Suit Against Us . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Bankruptcy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other Insurance - Personal and Farm Liability . . . . . . . . . . . . . .
Mutual Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Acceptance Of Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
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Premier Farm and Ranch Broad - Page i
Oklahoma Farm Bureau Mutual Insurance Company
2501 N. Stiles Oklahoma City, OK 73105
General Section - Premier Farm and Ranch . . . . . . . . . . . . . . . . . . . . . . .
. Insuring Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Organization Of Your Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Policy Sections . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
General Section . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Property Section . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Farm Property Section . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Coverage Part . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Personal Liability Section . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Farm Liability Section . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Declarations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Endorsements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Deductible . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Definitions Used Throughout This Policy . . . . . . . . . . . . . . . . . . . . . . .
When A Loss Occurs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Notification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Our Duty After Loss . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
How Losses Are Settled. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Our Payment of Loss . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Your Responsibilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
After a Loss Occurs: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Appraisal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Abandoned Property . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Suit Against Us . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Permission Granted To You . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Assignment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Cancellation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Concealment or Fraud . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Changes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Our Right To Recover Payment . . . . . . . . . . . . . . . . . . . . . . . . . .
Policy Period . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Conformity With Statute . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Insurable Interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
No Benefit To Bailee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Inspection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Property Section - I . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Dwelling - Coverage A . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other Structures - Coverage B . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Personal Property - Coverage C . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Special Limits On Certain Property . . . . . . . . . . . . . . . . . . . . . . . . . . .
Additional Living Expense and Loss Of Rents - Coverage D . . . . . . .
Additional Coverages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Debris Removal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Fire Department Service Charges . . . . . . . . . . . . . . . . . . . . . . . . .
SFR-Bk02 12-2021
This policy contains all of the coverages you selected in
one package. It is tailored to meet your needs as they
were represented to us on your application.
This section includes:
Insuring Agreement, Organization of Your Policy, Policy
Sections, Declarations, Endorsements, Definitions, When a
Loss Occurs, Your Responsibilities, Conditions, Mutual
Conditions and Acceptance of Policy.
Insuring Agreement
We agree with you, in return for your prepaid premium
payment, to provide insurance subject to all the terms of
this policy. The coverages provided, the limits of our
liability and the premiums are shown on the Declarations
page of this policy.
Organization Of Your Policy
This policy is organized into sections for each part of the
policy you chose. The Declarations page tells you what
coverage you have at any particular time.
Policy Sections
General Section
This section contains general information about your
policy. It includes provisions which apply to the entire
policy, including any endorsements. Provisions in the
General Section apply to all the sections and parts
included in this policy. Additional provisions that are
specific to only certain coverages are located in the
sections and coverage parts to which they apply.
Property Section
This section contains the provisions which insure your
home, farm property and/or personal property.
Farm Property Section
This section describes the optional property coverages
provided for your farming operations which take place on
the insured premises.
Coverage Part
The Coverage Part you selected includes the provisions
which show the property coverage you chose, as shown
on the Declarations page.
Personal Liability Section
This section contains the liability and medical coverage
parts to protect you from the potential liability exposures
created by the occupancy or use of your insured property
and your personal activities.
Farm Liability Section
This section describes the optional liability coverages
provided for your farming operations which take place on
the insured premises.
Declarations
The Declarations page at the beginning of your policy is
part of your insurance contract. It lists or declares the
property and liability exposures we agreed to insure. The
Declarations page provides specific information about each
coverage including deductibles, covered perils, and the
amounts of coverage provided for each exposure.
Endorsements
The Declarations page may also list one or more
endorsements or amendments which expand or reduce
your coverage. The endorsements allow us to tailor your
policy more closely to your specific needs.
General Section - Premier Farm and Ranch
Premier Farm and Ranch Broad - Page 1SFR-Bk02 12-2021
Deductible
1. For each occurrence, one deductible amount, as
shown on the Declarations Page, will be deducted from
the amount paid for the loss. The Loss by
Windstorm/Hail deductible amount shown on the
Declarations Page will be deducted from the amount
paid for loss caused by windstorm or hail, and the All
Other Property Losses deductible amount shown on
the Declarations Page will be deducted from the
amount paid for loss caused by anything other than
windstorm or hail.
2. For loss caused by windstorm or hail, which includes
property damage covered under Scheduled Farm
Personal Property - Coverage E1, Unscheduled
Farm Personal Property - Coverage E2, or Farm
Building and Structures - Coverage F, but does not
include property damage covered under Dwelling -
Coverage A, the amount of the deductible will not
exceed the All Other Property Losses deductible
amount shown on the Declarations Page. However, the
Losses By Windstorm/Hail deductible shown on the
Declarations Page will be applied if the Dwelling -
Coverage A limit shown on the Declarations Page is
less than:
a. The coverage limit shown on the Declarations
Page for any item of the loss covered under
Scheduled Farm Personal Property- Coverage
E1;
b. The total actual cash value of all items of the loss
under Unscheduled Farm Personal Property -
Coverage E2; or
c. The coverage limit shown on the Declarations
Page for any item of the loss covered under Farm
Buildings and Structures- Coverage F.
3. If multiple coverages with different deductible amounts
are available as the result of a single occurrence, the
highest deductible amount will be subtracted from the
amount paid for the loss.
Definitions Used Throughout This Policy
The terms defined below appear in bold type throughout
this policy.
1. "You" and "your" mean the Policyholder named on the
Declarations page. If the Policyholder shown on the
Declarations Page is a person, then "you" and "your"
include, if living in the same household with the
Policyholder:
a. the spouse of the Policyholder;
b. a party to a civil union with the Policyholder; or
c. a person in a legal relationship with the
Policyholder, which relationship is substantially
similar to that between spouses or those with a
civil union.
2. "We", "us" and "our" mean the Oklahoma Farm
Bureau Mutual Insurance Company.
3. "Bodily injury" means bodily injury, sickness or
disease, and includes care, loss of services and
resulting death.
4. "Business" means:
a. any full or part time trade, profession or
occupation; and
b. the rental or holding for rental of any premises by
an insured person.
10. "Farm employee" means an employee of an insured
person whose duties are in connection with farming
operations of an insured person. It does not mean a
person working for an insured person or under an
insured person's direction through an exchange labor
agreement. It does not mean a residence employee
or an employee while engaged in an insured person's
business.
11. "Farming" means the ownership, maintenance or use
of premises for the production of crops or the raising or
care of livestock, including all necessary operations.
"Farming" also includes operation of roadside stands
kept mainly for the sale of the insured person's farm
products.
12. "Fungus" means any type or form of fungus, including
mold, mildew or bacteria, and any mycotoxins, spores,
scents or by-products produced or released by fungi.
13. "Insured Person" means:
a. you;
b. your relatives residing in your household; and
c. any other person under the age of 21 residing in
your household, who is in your care or the care of
a resident relative.
14. "Insured Premises" means:
a. the farm premises and residence premises which
is described on the Declarations page;
b. any other premises acquired by you during the
term of this policy which you intend to use as a
residence premises;
c. the part of any other premises where you reside
and which is shown on the Declarations page;
d. any part of a premises not owned by an insured
person where the insured person may be
temporarily residing or which an insured person
may occasionally rent for non-business purposes;
e. vacant land owned by or rented to an insured
person;
f. cemetery plots or burial vaults owned by an
insured person;
g. land on which a single or two family residence is
being built for an insured person, if the land is
owned by or rented to the insured person; and
h. any structures or grounds used by you in
connection with your residence premises.
15. "Occurrence" means an accident, including
continuous or repeated exposure to conditions, which
results in bodily injury or property damage. All
bodily injury and property damage resulting from a
common cause shall be considered the result of one
occurrence.
16. "Property Damage" means physical injury to or
destruction of tangible property, including loss of its
use.
17. "Regular Hired Labor" means the duties of a farm
employee on the insured premises.
18. "Residence Employee" means an employee of an
insured person whose duties are in connection with
the maintenance or use of the residence premises. It
does not mean a farm employee or an employee
while engaged in an insured person's business.
But "Business" does not mean:
c. farming;
d. occasional rental or holding for rental of the
residence premises for use as a dwelling;
e. rental or holding for rental of part of the residence
premises for use as a dwelling, unless the rental is
to three or more roomers or boarders; or
f. rental or holding for rental of part of the residence
premises as a private garage, office, school or
studio.
5. "Cannabis" means:
a. any product that consists of or contains any
amount of Tetrahydrocannabinol (THC) or any
other cannabinoid, regardless of whether any such
THC or cannabinoid is natural or synthetic.
b. paragraph 5.a. above includes, but is not limited to,
any of the following containing such THC or
cannabinoid:
(1) any plant of the genus Cannabis L., or any part
of that plant, such as seeds, stems, flowers,
stalks and roots; or
(2) any compound, byproduct, extract, derivative,
mixture or combination, such as:
(a) resin, oil or wax;
(b) hash or hemp; or
(c) infused liquid or edible cannabis;
whether or not derived from any plant or part of
any plant described in Paragraph 5.b.(1).
6. "Custom Farming" means farming operations
performed by the insured person or a farm employee
on farm premises not owned, leased or rented by the
insured person. "Custom Farming" does not mean
farming operations performed by the insured person
or a farm employee as part of an exchange labor
agreement.
7. "Custom Hired Labor" means the duties of a farm
employee performed on behalf of the insured person
on farm premises not owned, leased or rented by the
insured person.
8. "Cyber Event" means:
a. Unauthorized access to or use of or any
unauthorized attempt to access or use any
computer system, network, electronic device, or
electronic data.
b. The introduction of any malicious code, virus,
worm, spyware, malware, or any other harmful
computer code which is used or designed to
access, collect, encrypt, steal, destroy, alter,
retrieve, disrupt, exploit or otherwise harm or
perpetuate a fraud upon any computer system,
network, electronic device, or electronic data.
c. Any denial of service attack, threat, or demand for
any type of payment, which involves a malicious or
otherwise harmful restriction of access to,
disablement of, impairment of, or disruption of the
normal use, functioning or operation of any
computer system, network, electronic device, or
electronic data.
9. "Day" means one insured person or one farm
employee working one day.
SFR-Bk02 12-2021 Premier Farm and Ranch Broad - Page 2
19. "Residence Premises" means the one or two family
dwelling where you reside, including the building, the
grounds adjacent to the dwelling not used for farming,
and other structures on the grounds. The "residence
premises" is described on the Declarations page.
20. "Trailer" means a vehicle designed to be pulled by a:
a. private passenger auto; and
b. pickup, truck or van.
It also means a farm wagon or farm implement while
being towed by, connected to or carried on your land
motor vehicle.
When A Loss Occurs
1. Notification
If a covered loss occurs, the insured person must
give us immediate written notice, including:
a. your name and policy number;
b. the time, place and circumstances of the accident,
occurrence or loss; and
c. the names and addresses of injured persons and
witnesses.
In case of theft, also notify the police. In case of loss
under Credit Card, Charge Plate, Fund Transfer Card
and Check Forgery Coverages, also notify the issuer of
card or plate or the bank.
2. Our Duty After Loss
Within 45 days after receipt of a proof of loss, we will
submit to you a written offer of settlement or a
rejection of your claim.
3. How Losses Are Settled
Loss settlement is determined by the particular
covered perils you chose, which are included in the
Coverage Part attached to this policy.
4. Our Payment of Loss
We will adjust any loss with you, and pay you unless
another payee is named on the Declarations page. We
will pay within 60 days after we receive your proof of
loss and the amount of loss is finally determined by
agreement between you and us, a court judgment or
an appraisal award.
5. Other Insurance
If both this and other insurance apply to a loss, this
policy is excess to such other insurance.
Your Responsibilities
1. After a Loss Occurs:
a. protect the property from further damage, making
necessary and reasonable repairs to protect the
property, and keeping records of the cost of
repairs;
b. make a list of all damaged or destroyed property,
showing in detail, quantities, costs, actual cash
value and amount of loss claimed;
c. send to us, within 60 days after loss, the above list
and a proof of loss signed and sworn to by the
insured person, including:
(1) the information reported in When A Loss
Occurs, 1. Notification above;
(2) the interest of insured persons and all others
in the property;
(3) all encumbrances on the property;
(4) other policies covering the loss;
(5) changes in title, use, occupancy or possession
of the property; and
(6) if required, any plans and specifications of the
damaged buildings or fixtures;
d. exhibit the damaged property to us and our
representatives, as often as may be reasonably
required;
e. submit to statements and examinations, while not
in the presence of any other insured person,
under oath by any person named by us and sign
the transcript of the examinations;
f. produce for examination, with permission to copy,
all books of account, bills, invoices, receipts and
other vouchers as we may reasonably require;
g. produce receipts for any increased costs to
maintain your standard of living while you reside
elsewhere, and records pertaining to any loss of
rental income;
h. send us promptly any legal papers received
relating to any claims or suit; and
i. cooperate with us and assist us in any matter
relating to a claim or suit.
2. Appraisal
If you and we fail to agree on the amount of loss,
either party may make written demand for an appraisal.
Each party will select an appraiser and notify the other
of the appraiser's identity within 20 days after the
demand is received. The appraisers will select a
competent and impartial umpire. If the appraisers are
unable to agree upon an umpire within 15 days, you or
we can ask a judge of a court of record in the county
where the residence premises is located to select an
umpire.
The appraisers shall then appraise the loss, stating
separately the loss to each item. If the appraisers
submit a written report of an agreement to us, the
amount agreed upon shall be the amount of loss. If
they cannot agree, they will submit their differences to
the umpire. A written award by two will determine the
amount of loss.
Each party will pay the appraiser it chooses, and
equally pay expenses for the umpire and all other
expenses of the appraisal.
3. Abandoned Property
We are not obliged to accept abandoned property.
4. Suit Against Us
We may not be sued unless there is full compliance
with all the terms of this policy. Suit must be brought
within one year after the loss or damage occurs.
5. Permission Granted To You
You may make alterations, additions and repairs to
your building and complete structures under
construction. The residence premises may be vacant
or unoccupied without limit of time, except where this
policy specifies otherwise.
Premier Farm and Ranch Broad - Page 3SFR-Bk02 12-2021
Conditions
1. Assignment
Interest in this policy may not be transferred without
our written consent. But, if the Policyholder named on
the Declarations page or the spouse of the
Policyholder residing in the same household dies, the
policy will cover:
a. any surviving member of the deceased's
household who was covered under this policy at
the time of death, but only while a resident of the
insured premises;
b. the legal representative of the deceased person
while acting within that capacity; and
c. any person having proper custody of insured
property until a legal representative is appointed.
2. Cancellation
a. You may cancel this policy at any time by returning
it to us or by notifying us in writing of the date
cancellation is to take effect.
b. We may cancel this policy only for the reasons
stated in this Condition by notifying you in writing
of the date cancellation takes effect.
This cancellation notice may be delivered to you or
mailed to you at your mailing address shown on
the Declarations page. Proof of mailing shall be
sufficient proof of notice.
(1) When you have not paid the premium,
whether payable to us by cash or under any
finance or credit plan, we may cancel at any
time by notifying you at least 10 days before
the date cancellation takes effect.
(2) When this policy has been in effect for less
than 45 business days and is not a renewal
with us, we may cancel for any reason by
notifying you at least 10 days before the date
cancellation takes effect.
(3) When this policy has been in effect for 45
business days or more, or at any time if it is a
renewal with us, we may cancel if there has
been a material misrepresentation of fact
which, if known to us, would have caused us
not to issue the policy or if the risk has
changed substantially since the policy was
issued. This can be done by notifying you at
least 30 days before the date cancellation
takes effect.
(4) When this policy is written for a period longer
than one year, we may cancel for any reason
at anniversary by notifying you at least 30
days before the date cancellation takes effect.
c. When this policy is canceled, the premium for the
period from the date of cancellation to the
expiration date will be refunded. When you request
cancellation, the return premium will be based on
our short rate table. When we cancel, the return
premium will be pro rata.
d. If the return premium is not refunded with the
notice of cancellation or when this policy is
returned to us, we will refund the premium within a
reasonable time after the date cancellation takes
effect.
SFR-Bk02 12-2021 Premier Farm and Ranch Broad - Page 4
3. Concealment or Fraud
a. SECTION 3613.1 OF TITLE 36 OF THE
OKLAHOMA STATUTES: "WARNING: ANY
PERSON WHO KNOWINGLY, AND WITH
INTENT TO INJURE, DEFRAUD OR DECEIVE
ANY INSURER, MAKES ANY CLAIM FOR THE
PROCEEDS OF AN INSURANCE POLICY
CONTAINING ANY FALSE, INCOMPLETE OR
MISLEADING INFORMATION IS GUILTY OF A
FELONY."
b. This entire policy is voidable if an insured person
has intentionally concealed or misrepresented any
material fact or circumstance relating to this
insurance, or acted fraudulently or made false
statements relating to this insurance.
4. Changes
This policy and the Declarations page include all the
agreements between you and us relating to this
insurance. No change or waiver may be effected in
this policy except by endorsement issued by us. If a
premium adjustment is necessary, we will make the
adjustment as of the effective date of the change. If
any coverage you have under this policy is broadened
without charge during the policy period, this policy will
automatically provide the broadened coverage when
effective.
5. Our Right To Recover Payment
After making payment under this policy, we will have
the right to recover to the extent of our payment from
anyone held responsible. This right will not apply
under the Property Section if you have waived it in
writing prior to loss. The insured person will do
whatever is required to transfer this right to us.
This condition does not apply under the Personal
Liability Section to Coverage H - Medical Payments
To Others or Additional Coverages - Personal
Liability Damage To Property of Others.
6. Policy Period
This policy applies to losses, bodily injury or property
damage which occur during the policy period. It may
be renewed for successive policy periods if the
required premium is paid and accepted by us on or
before the expiration of the current policy period. The
premium will be computed at our then current rate for
coverage then offered.
7. Conformity With Statute
Should any terms of this policy be in conflict with the
statutes of Oklahoma, the terms are amended to
conform with such statutes.
8. Insurable Interest
We will not pay more than the insurable interest an
insured person has in the covered property at the
time of loss.
9. No Benefit To Bailee
This insurance will not, in any way, benefit any person
or organization who may be caring for or handling
property for a fee.
10. Inspection
We shall be permitted at all reasonable times during
the policy period, to inspect the plants, works,
machinery and appliances covered by this policy.
Premier Farm and Ranch Broad - Page 5SFR-Bk02 12-2021
This Section, combined with the General Section, the
Farm Property Section and the Coverage Part, provides
the property coverage you selected, as identified on the
Declarations page.
This Section includes:
Dwelling - Coverage A, Other Structures - Coverage B,
Personal Property - Coverage C, Exclusions, Special Limits
on Certain Property, Additional Living Expenses and Loss
of Rents - Coverage D, Additional Coverages, Deductible,
and Property Conditions.
Dwelling - Coverage A
We cover:
1. your dwelling, including structures attached to it, at the
residence premises. The dwelling must be used
principally as a private residence; and
2. construction material at the residence premises for
use in connection with your dwelling.
Other Structures - Coverage B
We cover:
1. other structures at the residence premises which are
within 100 feet of the dwelling insured under Dwelling
- Coverage A, and
a. not attached to the dwelling, or
b. connected to the dwelling by only a utility line,
fence or similar connection;
2. fences, driveways, sidewalks and other permanently
installed outdoor fixtures at the residence premises
that are within 100 feet of the dwelling insured under
Dwelling - Coverage A; and
3. construction material at the residence premises for
use in connection with the other structures listed in 1
above.
We do not cover loss to structures used to any extent for
business or farming purposes.
Personal Property - Coverage C
We cover personal property owned or used by an insured
person anywhere in the world. Any personal property,
which is usually at a residence other than the residence
premises, is covered for up to 10% of the Personal
Property - Coverage C limit, but not less than $1,000.
This limitation does not apply to personal property in a
newly acquired principal residence for the first 30 days
after you begin to move there.
If you ask us, we will cover personal property owned by
others while it is on the part of the residence premises
occupied by an insured person. Also, if you ask us, we
will cover personal property of a houseguest or residence
employee in any residence of an insured person.
We do not cover:
1. farm personal property;
2. animals, birds or fish;
3. land motor vehicles and their parts, equipment and
accessories. We do provide coverage if the land motor
vehicle is not subject to motor vehicle registration and
it is used exclusively to service the residence
premises;
4. all-terrain vehicles (ATV's), utility vehicles (UTV's),
recreational off-road vehicles, or vehicles with less than
4 wheels, and their parts, equipment and accessories;
5. aircraft and their tires, parts, equipment and
accessories;
Property Section - I
6. property of roomers and boarders not related to an
insured person, or property of tenants;
7. property rented or held for rental to others by an
insured person, or property furnished to or held as
furnishings for farm employees. But, we do cover that
property while on the part of the residence premises
used exclusively by an insured person or roomers
and boarders;
8. property in that part of the residence premises rented
or held for rental to others (except roomers or
boarders) by an insured person;
9. radios, tape players and other devices for the
recording, reproduction, receiving or transmitting of
sound or pictures which may be operated by power
from the electrical system of a land motorized vehicle
while in or upon that vehicle. Accessories to these
devices, including antennas, tapes and records are not
covered while in or upon a land motorized vehicle;
10. property specifically described and insured by this or
any other insurance;
11. farm operations records expenses;
12. cannabis, or
13. loss, damage, cost or expense directly or indirectly
caused by, resulting from, or arising out of a cyber
event. Such loss, damage, cost or expense is
excluded regardless of any other cause or event that
contributes concurrently or in any sequence to the loss.
Special Limits on Certain Property
Special limits apply to the following groups of personal
property. These limits do not increase the amount of
insurance under Personal Property - Coverage C. The
limit of insurance for each group is the maximum we will
pay for any one occurrence for all property included in the
group.
Limit of Insurance Personal Property Group
1. $200 Money, bank notes, bullion, coins and medals
and other numismatic property, and precious
metals including platinum, gold and silver, but
not goldware or silverware.
2. $1,000 Securities, accounts, deeds, evidence of debt,
letters of credit, notes other than bank notes,
passports, manuscripts, tickets, stamps and
other philatelic property.
3. $1,000 Cemetery markers, headstones and urns.
4. $1,000 Watercraft, including their trailers, furnishings,
equipment and outboard motors.
5. $1,000 Trailers not used to tow watercraft.
6. $1,000 Theft of jewelry, watches, precious and
semiprecious stones and furs, including any
article containing fur which represents its
principal value.
7. $2,000 Theft of guns.
8. $2,500 Theft of silverware, goldware and pewterware.
9. $5,000 Electronic data processing equipment and the
recording or storage media used with that
equipment, whether or not it is business
property, while used principally on the
residence premises.
10. $ 500 Property used or intended for use in a
business, not including electronic data
processing equipment or the recording or
storage media used with that equipment.
11. $10,000Land motorized vehicles.
Additional Living Expense and Loss Of Rents -
Coverage D
If a covered loss makes your residence premises
uninhabitable, we will pay, at your option either:
1. the reasonable increase in your living expenses
necessary to maintain your normal standard of living
while you live elsewhere; or
2. the fair rental value of the part of the residence
premises where you reside, less any charges and
expenses which do not continue while the residence
premises is uninhabitable.
We will pay for the shortest time needed:
1. to repair or replace the damaged property; or
2. for you to permanently relocate.
We will also pay for your loss of normal rents resulting
from a covered loss while the rented part of a residence
premises is uninhabitable, less charges and expenses
which do not continue during that time. We will pay this
loss of normal rents only for the shortest time needed to
make the rented part habitable.
If damage caused by a peril we insure against occurs at a
neighboring premises, we will pay reasonable additional
living expenses and loss of normal rents for up to two
weeks should civil authorities prohibit occupancy of the
residence premises.
These periods of time will not be shortened by the
expiration of this policy.
We will not pay for loss or expense due to the cancellation
of a lease or agreement.
No deductible will apply to these coverages.
Additional Coverages
1. Debris Removal
We will pay reasonable expenses you incur to remove
debris of covered property following a loss from a peril
we insure against.
If the cost to repair or replace that property, plus the
cost of its debris removal, is more than the applicable
limit of liability for the property, we will pay up to an
additional 5% of the limit of liability shown on the
Declarations page for the property.
We will also pay up to $500 in the aggregate for any
one loss for reasonable expenses incurred by you in
removing any fallen trees from the residence
premises if:
a. the trees damage covered property within 100 feet
of the dwelling insured under Dwelling - Coverage
A;
b. the falling of the trees is caused by any peril we
insure against; and
c. this coverage is not provided elsewhere in this
policy.
2. Fire Department Service Charges
We will pay up to $500 for your liability under an
agreement for service charges made by a fire
department when called to protect your covered
property from a peril we insure against.
Payments are in addition to the amount of insurance
applying to the loss.
No deductible applies to this coverage.
SFR-Bk02 12-2021 Premier Farm and Ranch Broad - Page 6
3. Credit Card, Charge Plate, Fund Transfer Card,
Check Forgery and Counterfeit Money Coverages
a. Credit Card, Charge Plate and Fund Transfer
Card Coverage
If an insured person is legally required to pay for
the unauthorized use of a credit card or charge
plate issued to the insured person, we will cover
the loss.
We will also pay for loss which results from
unauthorized use of a fund transfer card issued to
an insured person. A fund transfer card is one
used for deposit, withdrawal or transfer of funds.
But we will not cover use of the credit card, charge
plate or fund transfer card by a resident of your
household. We also will not cover use by
someone to whom an insured person has given
the card or plate. We will not cover any use unless
the insured person has met all the terms under
which the card or plate was issued.
b. Check Forgery Coverage
We cover loss to an insured person caused by
forgery or alteration of a check. This includes all
negotiable instruments.
c. Counterfeit Money Coverage
We cover loss sustained by an insured person
through acceptance in good faith of counterfeit
United States or Canadian paper currency.
We will not pay more than $1,000 for any one
occurrence involving one or more of these coverages.
We do not cover any loss that arises from business
pursuits or dishonesty of the insured person.
No deductible applies to these coverages.
If a claim is made or suit is brought against the
insured person for liability under the Credit Card,
Charge Plate or Fund Transfer Card Coverage, we will
defend the insured person. We will use our lawyers
and bear the expense.
We may at our option and at our expense, defend the
insured person or that person's bank against a suit to
enforce payment under the Check Forgery Coverage.
We may investigate any claim or settle any suit as we
think appropriate. We will not defend after we have
paid an amount equal to the limit of our liability.
4. Emergency Removal of Property
We will pay for property damaged in any way being
removed or while removed from a premises because of
danger from a peril we insure against.
Coverage is limited to a 30 day period from date of
removal. Payments will not increase the amount of
insurance applying to the covered property.
5. Necessary Repairs After Loss
We will pay the reasonable cost of necessary repairs
made solely to protect covered property from additional
damage following a loss from a peril we insure against.
Payments will not increase the amount of insurance
applying to the covered property.
6. Trees, Shrubs, Plants and Lawns
We will pay up to 5% of the Coverage A - Dwelling
limit of liability shown on the Declarations page, for
loss at the residence premises to trees, shrubs,
plants, and lawns.
Coverage applies to loss caused by the following perils
we insure against: Fire or Lightning, Explosion, Riot or
Civil Commotion, Aircraft, Vehicles not owned or
operated by an occupant of the residence premises,
Vandalism or Malicious Mischief or Theft. Payments
are in addition to the amount of insurance applying to
Dwelling Coverage.
We will not pay for:
a. more than $500 on any one tree, shrub or plant;
b. trees, shrubs, plants or lawns grown for business
or farming purposes; or
c. trees, shrubs, plants or lawns located more than
100 feet from the dwelling insured under Dwelling
- Coverage A.
7. Ordinance or Law
a. We will pay up to 10% of the Coverage A –
Dwelling limit of liability shown on the Declarations
page, for the total increased costs you incur
because of the enforcement of any ordinance or
law which requires or regulates:
(1) the construction, repair, or demolition of that
part of a covered building or other structure
damaged by a peril we insure against;
(2) the construction, repair, or demolition of the
undamaged part of a covered building or other
structure, if that building or other structure
must be totally demolished because of
damage by a peril we insure against to another
part of that covered building or other structure;
and
(3) the demolition or replacement of the portion of
the undamaged part of a covered building or
other structure, necessary to complete the
construction, repair, or demolition of that part
of the covered building or other structure
damaged by a peril we insure against.
b. We do not cover:
(1) the loss in value to any covered building or
other structure due to the requirements of any
ordinance or law;
(2) the costs to comply with any ordinance or law,
which requires any insured person or others
to test for, monitor, clean up, remove, contain,
treat, detoxify, neutralize, or in any way
respond to or assess the effects of, pollutants
or contaminants; or
(3) increased costs you incur due to any
ordinance or law which goes into effect after a
covered loss occurs.
Deductible
1. For each occurrence, one deductible amount, as
shown on the Declarations Page, will be deducted from
the amount paid for the loss. The Loss by
Windstorm/Hail deductible amount shown on the
Declarations Page will be deducted from the amount
paid for loss caused by windstorm or hail, and the All
Other Property Losses deductible amount shown on
the Declarations Page will be deducted from the
amount paid for loss caused by anything other than
windstorm or hail.
2. For loss caused by windstorm or hail, which includes
property damage covered under Scheduled Farm
Personal Property - Coverage E1, Unscheduled
Farm Personal Property - Coverage E2, or Farm
Building and Structures - Coverage F, but does not
include property damage covered under Dwelling -
Coverage A, the amount of the deductible will not
exceed the All Other Property Losses deductible
amount shown on the Declarations Page. However, the
Losses By Windstorm/Hail deductible shown on the
Declarations Page will be applied if the Dwelling -
Coverage A limit shown on the Declarations Page is
less than:
a. The coverage limit shown on the Declarations
Page for any item of the loss covered under
Scheduled Farm Personal Property- Coverage
E1;
b. The total actual cash value of all items of the loss
under Unscheduled Farm Personal Property -
Coverage E2; or
c. The coverage limit shown on the Declarations
Page for any item of the loss covered under Farm
Buildings and Structures- Coverage F.
3. If multiple coverages with different deductible amounts
are available as the result of a single occurrence, the
highest deductible amount will be subtracted from the
amount paid for the loss.
Property Conditions
These Conditions are in addition to those shown in the
General Section.
1. Loss To A Pair or Set
We may repair or replace any part of the pair or set to
restore it to its value before the loss, or we may pay
the difference between the actual cash value of the
property before and after the loss.
2. Our Payment of Loss
We will adjust any loss with you, and pay you unless
another payee is named on the Declarations page. We
will pay within 60 days after we receive your proof of
loss and the amount of loss is finally determined by
agreement between you and us, a court judgment or
an appraisal award.
3. Mortgagee
A loss shall be payable to any mortgagee named in the
Declarations, to the extent of their interests and in the
order of precedence. Mortgagee includes a trustee
under a trust deed or a contract seller under a land
contract.
Our Duties
We will:
a. protect the mortgagee's interests in the insured
building; and
b. give the mortgagee 10 days notice before
canceling this policy.
Mortgagee's Duties
The mortgagee will:
a. furnish proof of loss within 60 days if the insured
person fails to do so;
b. pay upon demand any premium due if the insured
person fails to do so;
c. notify us of any change of ownership or occupancy
or any increase in hazard of which the mortgagee
has knowledge;
d. give us the right of recovery against any party
liable for loss; but giving us this right will not impair
the right of the mortgagee to recover the full
amount of the mortgagee's claim; and
e. after a loss, permit us to satisfy the mortgagee
requirement and receive full transfer of the
mortgage.
SFR-Bk02 12-2021 Premier Farm and Ranch Broad - Page 7
4. Inflation Protection Coverage
The Limits of Liability shown on the Declarations page
for Dwelling – Coverage A, Other Structures –
Coverage B, Personal Property – Coverage C and
Additional Living Expense and Loss of Rents –
Coverage D may be increased at the end of each 12-
month period after the effective date of the policy. The
appropriate premium for these increased limits will be
shown on the Declarations page.
This Section, combined with the General Section, the
Personal Property Section and the Coverage Part,
provides the property coverage you selected, as identified
on the Declarations page.
This Section includes Scheduled Farm Personal Property -
Coverage E1, Unscheduled Farm Personal Property -
Coverage E2, Farm Buildings and Structures - Coverage F.
Scheduled Farm Personal Property - Coverage E1
We cover the following types of Scheduled Farm
Personal Property for which an amount of insurance is
shown on the Declarations Page:
Grain. We cover:
1. grain;
2. threshed seeds or beans;
3. silage;
4. ground feed; and
5. manufactured and compounded stock foods, if in
buildings, structures, sacks, wagons or trucks. Grain in
stacks, shocks, swaths or piles in the open is covered
only against loss by fire. We do not cover grain under
Government Loan.
Hay in Buildings. We cover hay, straw, and fodder, in
buildings or structures.
Hay in the Open. We cover hay, straw, and fodder, in
stacks, windrows, and bales, only while in the open, and
only against loss by fire.
One stack means hay, straw, or fodder, in one area
separated by a clear space of 100 feet or more from any
other hay, straw, or fodder, in the open.
You may apply 10% of the amount of insurance set for
grain, hay in buildings, and hay in the open, to cover grain,
hay in buildings, and hay in the open, while away from the
insured premises but within 100 miles of the residence
premises. But we will not cover these items while:
1. stored or being processed in manufacturing plants,
public elevators, warehouses, seed houses, or drying
plants;
2. in transit by common carrier; or
3. in public sales barns and yards.
Tools, Supplies and Equipment. We cover tools,
supplies and equipment used in operating the farm. We
will pay no more than $2,500 for any one item.
We do not cover:
1. property specifically described and insured by this or
any other insurance;
2. brooders, fences, windmills and wind chargers and
their towers;
3. land motorized vehicles and their parts, equipment and
accessories;
4. watercraft and their parts, equipment and accessories;
Farm Property Section
SFR-Bk02 12-2021 Premier Farm and Ranch Broad - Page 8
5. aircraft, and their tires, parts, equipment and
accessories;
6. threshing machines, tractors, combines, corn pickers,
hay balers, harvesters, peanut diggers, potato diggers
and pickers, cotton pickers, crop driers, sawmill
equipment, irrigation motors, pumps and equipment;
7. manufactured fuels and their containers;
8. bulk milk tanks, bulk feed tanks, barn cleaner,
pasteurizers, boilers or any permanent fixtures
attached to or within a building; or
9. portable buildings and portable structures.
Specifically Insured Machinery. Items of machinery,
vehicles and equipment for which an amount of insurance
is specifically set are covered within 100 miles of the
residence premises.
We do not cover land motor vehicles subject to motor
vehicle registration and their parts, equipment and
accessories.
We do not cover all-terrain vehicles (ATV's), utility vehicles
(UTV's), recreational off-road vehicles, or vehicles with less
than 4 wheels, and their parts, equipment and accessories.
We cover replacements for specifically insured machinery
for no more than the smaller of:
1. the amount of insurance specified for the replaced
item; or
2. actual cash value.
Within 30 days after acquiring the replacement, you must
notify us, giving a full description and paying any additional
premium. If this is not done, the amount of insurance for
the replaced item applies.
Newly Acquired or Borrowed Farm Machinery,
Vehicles and Equipment. If the Declarations Page lists
scheduled items of farm machinery, vehicles or equipment
for which an amount of insurance is specifically set and a
premium charged under Scheduled Farm Personal
Property - Coverage E1, we will cover newly acquired or
borrowed farm machinery, vehicles or equipment. We will
pay no more than $20,000 for all newly acquired or
borrowed farm machinery, vehicles and equipment.
Within 30 days of acquisition of any newly acquired farm
machinery, vehicles and equipment, you must notify us,
giving a full description and paying any additional premium.
If this is not done, coverage for the newly acquired farm
machinery, vehicles and equipment ceases.
We do not cover newly acquired or borrowed:
1. brooders, fences, windmills and wind chargers and
their towers;
2. land motor vehicles subject to motor vehicle
registration and their parts, equipment and
accessories;
3. all-terrain vehicles (ATV's), utility vehicles (UTV's),
recreational off-road vehicles, or vehicles with less than
4 wheels, and their parts, equipment and accessories;
4. watercraft and their parts, equipment and accessories;
5. aircraft, and their tires, parts, equipment and
accessories;
6. threshing machines, crop driers and sawmill
equipment;
7. manufactured fuels and their containers; or
8. replacements for farm machinery, vehicles and
equipment specifically described.
Livestock. Insurance for covered livestock applies on and
off the insured premises. But, it does not apply to
livestock while in transit by common carrier, or in
slaughterhouses, packing plants, public stockyards, public
sales barns, and public sales yards.
We will pay no more than the smallest of the following for
any one animal:
1. 120% of the average value per head of livestock. This
average value is the amount of insurance for the class
of livestock divided by the number of head of that class
owned by an insured person at the time of loss (In
applying this clause, each horse, mule or head of cattle
under one year of age shall be counted as one-half
head); or
2. the actual cash value of the destroyed or damaged
animal.
We do not cover loss to livestock caused by:
1. running into streams or ditches;
2. running against fences or other objects;
3. smothering;
4. fright;
5. freezing;
6. gunshot; or
7. drowning.
Farm Operations Records Expenses. We cover books
of account, manuscripts, abstracts, drawings, card index
systems and other records. We also cover the cost
incurred for copying such records. But, in the case of
electronic data processing materials, we will pay only the
cost of unexposed or blank film, tape, disc, drum, cell or
other magnetic or storage media. And, we do not cover
computer software programs which are used to operate
farm machinery or equipment.
Portable Buildings and Portable Structures. We cover
portable buildings and structures owned by an insured
person. We will pay no more for each damaged portable
building or structure than the following:
The stated amount of insurance multiplied by the ratio
of the value of such building or structure to the total
value of all portable buildings and structures owned by
you at the time of loss.
Irrigation Equipment. We cover irrigation equipment
which consists of motors, pumps, and pipes.
Property Not Covered
Under Scheduled Farm Personal Property - Coverage
E1, we do not cover loss to:
1. growing crops and stubble;
2. radios, tape players and other devices for the
recording, reproduction, receiving or transmitting of
sound or pictures which may be operated by power
from the electrical system of a land motorized vehicle
while in or upon that vehicle. However, we do cover
loss to such devices for which an amount of insurance
is shown on the Declarations Page. Accessories to
these devices, including antennas, tapes and records
are not covered while in or upon a land motorized
vehicle. This exclusion does not apply to GPS units,
crop monitors, or autosteer systems;
Premier Farm and Ranch Broad - Page 9SFR-Bk02 12-2021
3. contents of a rice warehouse, rice drying house, cotton
gin building, part of a cotton gin plant, or located on gin
premises, or machinery, vehicles or implements that
are part of these operations;
4. poultry:
5. cannabis, or
6. loss, damage, cost or expense directly or indirectly
caused by, resulting from, or arising out of a cyber
event. Such loss, damage, cost or expense is
excluded regardless of any other cause or event that
contributes concurrently or in any sequence to the loss.
Unscheduled Farm Personal Property - Coverage E2
We cover farm personal property usual and incidental to
the operation of a farm while on the insured premises if
such property is:
1. owned by an insured person;
2. leased or rented to an insured person for farming
purposes; and
3. farm machinery while borrowed by the insured person
or his or her employees for farming purposes.
We also cover the following property elsewhere:
1. farm implements, machinery and vehicles, not
otherwise excluded, while within 100 miles of the
residence premises; and
2. grain, threshed seeds, threshed beans, hay, straw,
fodder, silage, ground feed and manufactured and
compounded stock foods, except while stored or being
processed in public elevators or warehouses, seed
houses, drying plants or manufacturing plants.
We will not pay more than:
1. $20,000 for farm machinery while borrowed by the
insured person or his or her employees for farming
purposes; or
2. $1,000 for manufactured fuels and their containers.
Property Not Covered
Under Unscheduled Farm Personal Property -
Coverage E2, we do not cover loss to:
1. animals;
2. tobacco, cotton, vegetable, root crops, bulbs and fruit;
3. nursery stock;
4. contents of chicken fryer or broiler houses, laying
houses, poultry brooder houses, duck or turkey
houses, except when the total number of fowl on the
farm is less than 100 on the day of loss;
5. land motorized vehicles subject to motor vehicle
registration and their parts, equipment and
accessories;
6. all-terrain vehicles (ATV's), utility vehicles (UTV's),
recreational off-road vehicles, or vehicles with less than
4 wheels, and their parts, equipment and accessories;
7. aircraft, and their tires, parts, equipment and
accessories;
8. watercraft and their parts, equipment and accessories;
9. fences, windmills and wind chargers and their towers;
10. bulk milk tanks, bulk feed tanks, barn cleaners,
pasteurizers, boilers and permanent fixtures attached
to or within a building;
11. portable buildings and portable structures;
12. radios, tape players and other devices for the
recording, reproduction, receiving or transmitting of
sound or pictures which may be operated by power
from the electrical system of a land motorized vehicle
while in or upon that vehicle. Accessories to these
devices, including antennas, tapes and records are not
covered while in or upon a land motorized vehicle. This
exclusion does not apply to GPS units, crop monitors,
or autosteer systems;
13. sawmill equipment;
14. irrigation equipment;
15. outdoor radio and television equipment;
16. property specifically described and insured by this or
any other insurance;
17. cannabis, or
18. loss, damage, cost or expense directly or indirectly
caused by, resulting from, or arising out of a cyber
event. Such loss, damage, cost or expense is
excluded regardless of any other cause or event that
contributes concurrently or in any sequence to the loss.
Grain & Hay in the Open
We cover the following only against loss by fire:
1. grain in stacks, swaths, or piles, in the open, or
2. hay, straw, and fodder, in stacks, windrows, and bales,
in the open.
We will pay no more than $15,000 for any one stack of hay,
straw, or fodder. One stack means hay, straw, or fodder, in
one area separated by a clear space of 100 feet or more
from any other hay, straw, or fodder, in the open.
We will pay no more under this provision than 20% of the
limit of liability that applies to Unscheduled Farm
Personal Property - Coverage E2.
Coinsurance Clause
You must maintain insurance for at least 80% of the actual
cash value of all covered farm personal property. If you
fail to do this, we will pay the percentage of loss
determined by dividing the amount of insurance carried by
the amount you should have carried. The amount payable
is subject to any applicable deductible.
If you have a loss, you must furnish us with an inventory
of all farm personal property so we can establish the actual
cash value referred to in the above paragraph. If your loss
is both less than $10,000 and less than 20% of the total
amount of insurance applicable to farm personal property
at the time such loss occurs, we may elect to waive the
inventory requirement. This waiver does not change your
obligation to maintain an amount of insurance referred to in
this clause.
The following provision applies in the event of loss of or
damage to machinery or equipment within 30 days after the
purchase of additional or replacement machinery or
equipment:
If the Limit of Insurance actually carried becomes
inadequate due to the purchase of additional or
replacement machinery or equipment, then, up to
$50,000 of the value of the newly purchased
machinery or equipment will be omitted in determining
the required Limit of Insurance.
Farm Buildings and Structures - Coverage F
The following provisions apply to farm buildings and
structures for which an amount of insurance is shown on
the Declarations Page:
Broad Coverage Part
SFR-Bk02 12-2021 Premier Farm and Ranch Broad - Page 10
Farm Barns, Buildings and Structures. Coverage also
applies to their attached sheds and permanent fixtures and
construction materials on the insured premises for use in
connection with the barns, buildings or structures.
Coverage does not apply to attached or unattached silos.
Additional Farm Dwellings. Coverage also applies to
construction materials for use in connection with the
dwellings.
Fences. Coverage applies to fences, corrals, pens, chutes
and feed racks on the insured premises. Coverage does
not apply to field or pasture fences.
Private Power and Light Poles. Coverage also applies to
outdoor wiring and attachments. Attachments include
switch boxes, fuse boxes and other electrical equipment
mounted on the poles.
Portable Buildings and Portable Structures. We will
pay no more for each damaged portable building or
structure than the following:
The stated amount of insurance multiplied by the ratio
of the value of such building or structure to the total
value of all portable buildings and structures owned by
you at the time of loss.
This Coverage part, combined with the General Section,
the Property Section and the Farm Property Section,
provides the property coverages you selected, as identified
on the Declarations page.
This Coverage part includes:
Perils We Insure Against, Exclusions, and How Losses are
Settled.
Perils We Insure Against
We cover direct physical loss to property covered under
Dwelling - Coverage A, Other Structures - Coverage B
and Personal Property - Coverage C caused by Perils 1
through 18, except Peril 11.
We cover direct physical loss to property insured under
Scheduled Farm Personal Property - Coverage E1 and
Unscheduled Farm Personal Property - Coverage E2
caused by Perils 1 through 11.
We cover direct physical loss to property insured under
Farm Buildings and Structures - Coverage F caused by
Perils 1 through 10.
1. Fire or Lightning
2. Windstorm or Hail
This does not include loss:
a. caused directly or indirectly by frost, cold weather,
ice, snow or sleet whether driven by wind or not;
b. to the interior of any building, or property within,
caused by rain, snow, sand, sleet or dust unless
the building is first damaged by the direct force of
wind or hail, creating an opening through which the
rain, snow, sand, sleet or dust enters; or
c. to watercraft and their trailers, furnishings,
equipment and motors unless inside a fully
enclosed building.
3. Explosion
Premier Farm and Ranch Broad - Page 11SFR-Bk02 12-2021
4. Riot or Civil Commotion, including direct physical
loss from pillage and looting during and at the site of
the riot or civil commotion.
5. Aircraft, including self-propelled missiles and
spacecraft.
6. Vehicles
This peril does not apply to loss caused by vehicles,
farm machinery and equipment to
a. fences, driveways and walks, if the vehicles, farm
machinery or equipment are owned or operated by
an occupant of the residence premises; or
b. property insured under Scheduled Farm Personal
Property - Coverage E1, Unscheduled Farm
Personal Property - Coverage E2, and Farm
Buildings And Structures - Coverage F.
7. Smoke, if the loss is sudden and accidental. This peril
does not apply to loss caused by smoke from
agricultural smudging or industrial operations.
8. Vandalism or Malicious Mischief
This peril does not apply to loss at any residence
premises which has been vacant for more than 30
consecutive days immediately preceding the loss. A
building under construction is not considered to be
vacant.
9. Breakage of Glass or safety glazing materials, which
is part of the building. We will not pay for loss at any
residence premises vacant for more than 30
consecutive days immediately preceding the loss. A
building under construction is not considered to be
vacant. If law requires broken or damaged glass to be
replaced with safety glazing materials, we will pay that
cost under Additional Coverages Item 7 Ordinance
or Law in Property – Section I.
10. Theft or Attempted Theft, including loss of property
from a known place if it is likely that a theft has
occurred.
a. this peril does not apply to theft:
(1) committed by an insured person; or
(2) in or from a dwelling under construction or of
construction material and supplies until
completed and occupied;
b. this peril does not apply to theft of the following
from the part of the residence premises usually
occupied by an insured person when it is rented
to others:
(1) money, bank notes, bullion, coins and medals
and other numismatic property, and precious
metals including platinum, gold and silver, but
not goldware or silverware;
(2) securities, manuscripts, accounts, deeds,
evidences of debt, letters of credit, notes other
than bank notes, passports, tickets, stamps
and other philatelic property;
(3) jewelry, watches, precious and semi precious
stones and furs, including any article
containing fur which represents its principal
value; or
(4) any property if the theft is by any person
renting that part of the residence premises; or
c. this peril does not apply away from the residence
premises to theft of:
(1) property while in any other dwelling or its
premises owned, rented or occupied by an
insured person except while an insured
person is temporarily residing there. Property
of an insured person who is a student is
covered at a residence away from home if the
student has been there at any time during the
45 days immediately before the loss; or
(2) watercraft and its equipment, outboard motors,
campers and trailers.
11. Overturn and Collision
Farm machinery or vehicles insured under the Farm
Property Section are covered for direct physical loss
caused by:
a. overturn; and
b. collision with another object.
Impact of any part of the farm machinery or vehicles
with the ground or rocks upon the ground is not
considered collision. This peril does not include loss to
any tire or track, whether rubber or metal, due to
puncture, cut, gash, blowout, or to any other tire or
track trouble, unless such loss occurs at the same time
with another loss covered by this peril.
12. Falling Objects
This peril does not apply to loss to property within a
building unless the falling object first damages the
exterior of the building. We do not cover damage to the
falling object.
13. Weight of Ice, Snow or Sleet which damages a
building or property in a building. This peril does not
apply to loss to:
a. awnings, fences, pavements, patios, foundations,
retaining walls, bulkheads, piers, wharves, or
docks; or
b. swimming pools, hot tubs, or spas, including their
covers, filtration, circulation systems and water
supply systems;
when the loss is caused by freezing, thawing, or by
pressure or weight of ice or water.
14. Collapse of Building or Any Part of a Building.
Collapse does not include settling, cracking, shrinkage,
bulging or expansion.
This peril does not apply to loss to the following, unless
damage is caused directly by collapse of a building:
awnings, fences, pavements, patios, swimming pools,
underground pipes, flues, drains, cesspools, septic
tanks, foundations, retaining walls, bulkheads, piers,
wharves or docks.
15. Sudden and Accidental Tearing Apart, Cracking,
Burning or Bulging of a heating, air conditioning or
automatic fire protection sprinkler system or a water
heating appliance.
This peril does not apply to loss which is caused by or
results from freezing.
Premier Farm and Ranch Broad - Page 12SFR-Bk02 12-2021
16. Accidental Discharge or Overflow of Water or
Steam from within a plumbing, heating, air conditioning
or automatic fire protection sprinkler system or
domestic appliance.
We will also pay the cost of tearing out and replacing
any part of the covered building necessary to repair the
system or appliance from which the water or steam
escapes.
This peril does not apply to loss:
a. caused by continuous or repeated seepage or
leaking over a period of weeks, months or years;
b. to the system or appliance from which the water or
steam escapes;
c. caused by or resulting from freezing;
d. to property at a building vacant for more than 30
consecutive days immediately before the loss. A
building under construction is not considered to be
vacant; or
e. on the residence premises caused by accidental
discharge or overflow which occurs off the
residence premises.
17. Freezing of plumbing, heating and air conditioning
systems and domestic appliances.
This peril does not apply to loss while the residence
premises is vacant or unoccupied, unless you take
precautions to:
a. shut off the water supply and drain the systems
and appliances; and
b. maintain heat in the building.
18. Sudden and Accidental Loss Caused by Artificially
Generated Electrical Currents
We will pay up to $1,000 for each damaged item but no
more than $2,500 per occurrence under this peril.
Exclusions - Losses We Do Not Cover
We do not cover loss resulting directly or indirectly from
any of the following, and we do not cover any such loss
regardless of any other peril or event contributing
concurrently or in any sequence to the loss, whether the
peril or event occurs suddenly or gradually, involves
isolated or widespread damage, arises from natural or
external forces, or occurs as a result of any combination of
these:
1. enforcement of any ordinance or law regulating the
construction, repair or demolition of a building or other
structure, unless coverage is specifically provided
under Additional Coverages Item 7 Ordinance or
Law in Property – Section I. In addition, we do cover
loss caused by actions of civil authorities to prevent the
spread of a fire caused by a peril we insure against;
2. earthquake, landslide, mudflow, earth sinking, rising or
shifting, or eruption, explosion or effusion of a volcano.
We do cover direct physical loss that follows caused by
fire, explosion, breakage of glass or theft;
3. water damage meaning:
a. flood, surface water, waves, tidal water or overflow
of a body of water. We do not cover spray from
any of these, whether or not driven by wind;
b. water which backs up through sewers or drains; or
c. water below the surface of the ground. This
includes water which exerts pressure on or flows,
seeps or leaks through any part of a building or
other structure, sidewalk, driveway or swimming
pool.
We do cover any direct physical loss that follows
caused by theft, fire or explosion.
4. failure or interruption of power or other utility service
which occurs away from the residence premises. We
will pay for loss caused solely by a peril we insure
against that ensues at the residence premises;
5. neglect of an insured person to use all reasonable
means to protect covered property at and after the time
of loss;
6. war (declared or undeclared), civil war, insurrection,
rebellion or revolution;
7. nuclear action, meaning nuclear reaction, radiation,
radioactive contamination or discharge of a nuclear
weapon even if accidental, or any consequence of any
of these. Loss caused by nuclear action is not
considered loss by perils of Fire, Explosion or Smoke.
Direct physical loss by fire resulting from nuclear action
is covered.
8. sonic booms;
9. an action by or at the direction of an insured person
committed with the intent to cause a loss;
10. any loss while the dwelling is being moved, including
the period of time when leveling blocks or jacks are
removed and all utilities have been disconnected;
11. fungus, wet rot or dry rot. This exclusion applies
whether or not the fungus, wet rot or dry rot arises
from any other cause of loss.
This exclusion applies to losses including, but not
limited to:
a. any loss of use or delay in rebuilding, repairing or
replacing covered property, including any
associated cost or expense, resulting from fungus,
wet rot or dry rot;
b. any remediation of fungus, including but not
limited to the cost to:
(1) treat, remove, or dispose of the fungus, wet
rot or dry rot as required to repair, restore or
replace covered property, or
(2) tear out and replace any part of the building or
other property as needed to gain access to the
fungus, wet rot or dry rot; or
c. the cost of any investigation, testing or monitoring
to confirm the type, absence, presence or level of
fungus, whether performed prior to, during or after
removal, repair, restoration or replacement of
covered property; or
12. any reduction in the value of property covered under
this policy after it has been repaired as compared to its
value before it was damaged.
How Losses Are Settled
1. Loss Settlement - Dwelling - Coverage A and Other
Structures - Coverage B
Loss to the dwelling or other structures will be settled
at replacement cost without deduction for depreciation
at the time of loss, subject to the following:
a. How loss to the dwelling or other structures will be
settled will depend on how the applicable limit of
liability shown on the Declarations page relates to
the full replacement cost of the dwelling or other
structure, immediately before the loss. In
determining said full replacement cost, do not
include the cost of excavation, underground pipes,
wiring and drains, foundations or other supports
below the surface of the lowest basement floor. If
there is no basement, do not include the cost of
those supports below the surface of the ground
and inside the foundation walls.
b. If, at the time of loss, the applicable limit of liability
shown on the Declarations page is 80% or more of
said full replacement cost of the dwelling or other
structure, we will pay the cost to repair or replace
the dwelling or other structure, without deduction
for depreciation.
c. If, at the time of loss, the applicable limit of liability
shown on the Declarations page is less than 80%
of said full replacement cost of the dwelling or
other structure, we will pay the larger of:
(1) the actual cash value of the damaged part of
the dwelling or other structure, or
(2) the amount of the loss multiplied by the ratio of
the applicable limit of liability shown on the
Declarations page to 80% of said full
replacement cost of the dwelling or other
structure.
d. We will pay no more than the smallest of:
(1) the applicable limit of liability shown on the
Declarations page,
(2) the cost to replace the damaged dwelling or
other structure, including obsolete, antique, or
custom construction, with common
construction techniques and commonly used
building materials and methods for the same
use on the same premises, or
(3) the amount actually spent for necessary repair
or replacement of the damaged dwelling or
other structure.
e. If the replacement cost of the entire loss under
Dwelling - Coverage A or Other Structures -
Coverage B is more than $1,000 or 5% of the
applicable limit of liability shown on the
Declarations page, we will pay no more than the
actual cash value of the loss, not to exceed the
applicable limit of liability shown on the
Declarations page, until the repair or replacement
is completed.
f. Before the property is repaired or replaced, under
Dwelling - Coverage A or Other Structures -
Coverage B, you may make a claim for loss on an
actual cash value basis, not to exceed the
applicable limit of liability shown on the
Declarations page. Then, within 180 days after
loss, you may make a claim for any additional
amount on a replacement cost basis.
g. Loss to the following types of property will be
settled at actual cash value at the time of loss:
structures that are not buildings, antennas,
carpeting, awnings, domestic appliances, outdoor
equipment, all whether or not attached to buildings,
and roof surfacing.
SFR-Bk02 12-2021 Premier Farm and Ranch Broad - Page 13
2. Loss Settlement - Personal Property - Coverage C,
Scheduled Farm Personal Property - Coverage E1,
Unscheduled Farm Personal Property - Coverage
E2, and Farm Buildings and Structures - Coverage
F
Loss to personal property, scheduled farm personal
property, unscheduled farm personal property, and
farm buildings and structures, will be settled at actual
cash value at the time of loss, subject to the following:
We will pay no more than the smallest of:
a. our cost to replace at the time of loss,
b. the cost of repair,
c. the applicable limit of liability shown on the
Declarations page, or
d. any special limit of liability stated in this policy.
3. We may make a cash settlement and take all or part of
the property at its appraised or agreed on value, or
repair or replace all or part of the property with property
of like kind and quality. We must give you notice of
our intention within 30 days after we receive your
proof of loss.
This Section, combined with the General Section,
provides personal liability coverage, as identified on the
Declarations page.
This Section includes:
Personal Liability Definitions, Personal Liability - Coverage
G, Medical Payments to Others - Coverage H, Additional
Coverages, Exclusions, and Personal Liability Conditions.
Personal Liability Definitions
These Definitions are in addition to those shown in the
General Section.
1. "Insured person" means:
a. any person or organization legally responsible for
animals or watercraft covered by this policy and
owned by an insured person as defined in the
General Section. But, we will cover that person
or organization only with respect to those animals
or watercraft. We will not cover any person or
organization using or having custody of animals or
watercraft in the course of any business or without
permission of the owners;
b. with respect to any vehicle covered by this policy,
any employee of an insured person as defined in
the General Section, while engaged in the
employment of that person; and
c. with respect to a vehicle covered by this policy, any
other person using the vehicle with your
permission on an insured premises.
2. "Association" means the membership of all property
owners in a housing development.
Personal Liability - Coverage G
We will pay all sums arising out of an occurrence which an
insured person becomes legally obligated to pay as
damages because of bodily injury or property damage
covered by this policy.
If a claim is made or suit is brought against the insured
person for liability under this coverage, we will defend the
insured person at our expense, using lawyers of our
choice. We are not obligated to defend after we have paid
an amount equal to the limit of our liability. We may
investigate or settle any claim or suit as we think
appropriate.
Personal Liability Section - II
Premier Farm and Ranch Broad - Page 14SFR-Bk02 12-2021
c. Premiums on bonds required in any suit we
defend. But, we will not pay the premium for any
portion of a bond amount that is greater than our
limit of liability. We have no obligation to apply for
or furnish bonds.
d. Loss of earnings up to $50 a day, but not other
income, when we ask you to help us investigate or
defend any claim or suit.
e. Any other reasonable expenses incurred at our
request.
3. First Aid Expenses
Expenses for immediate medical and surgical
treatment for other persons at the time of the accident.
We will pay only expenses which an insured person
incurs for treatment of bodily injury covered by this
policy.
4. Loss Assessment
We will pay up to $1,000 for your share of loss
assessment charged against all property owners during
the policy period by a corporation or association,
when assessment is made as a result of:
a. A direct physical loss to property owned
collectively by all members of the association,
caused by a Peril We Insure Against in the
Property Section of this policy.
b. Bodily injury or property damage to which
Personal Liability coverage would apply.
c. Liability for an act of a director, officer or trustee in
the capacity as a director, officer or trustee,
provided:
(1) the director, officer or trustee is elected by the
members of a corporation or association; and
(2) the director, officer or trustee serves without
deriving any income from the exercise of duties
which are solely on behalf of a corporation or
association.
This coverage applies only to loss assessments
charged against you as owner of the residence
premises. We do not cover loss assessments
charged against you or a corporation or association
of property owners by any governmental body.
Exclusions
Under Personal Liability - Coverage G and Medical
Payments To Others - Coverage H, we do not cover:
1. bodily injury or property damage arising out of the
ownership, maintenance, use, loading, unloading or
negligent entrustment of aircraft;
2. bodily injury or property damage arising out of the
ownership, maintenance, use, loading, unloading or
negligent entrustment of land motor vehicles;
The only exceptions to this exclusion "2" are that
exclusion "2" does not apply to bodily injury or
property damage, occurring on or off the insured
premises, and arising out of the ownership,
maintenance, use, loading, unloading or negligent
entrustment of:
a. land motor vehicles that are not subject to motor
vehicle registration, when the bodily injury or
property damage occurs on the insured
premises.
Medical Payments To Others - Coverage H
We will pay the reasonable expenses incurred for
necessary medical, surgical, x-ray and dental services,
prosthetic devices, eyeglasses, hearing aids and
pharmaceuticals, and ambulance, hospital, licensed
nursing and funeral services. These expenses must be
incurred within three years from the date of an accident
causing bodily injury covered by this policy.
Each person who sustains bodily injury is entitled to this
protection when that person is:
1. on an insured premises with the permission of an
insured person; or
2. elsewhere, if the bodily injury:
a. arises out of a condition in the insured premises
or the adjoining ways;
b. is caused by the activities of an insured person or
residence employee in the course of employment
by an insured person;
c. is caused by an animal owned by or in the care of
an insured person; or
d. is sustained by a residence employee arising out
of and in the course of employment by an insured
person.
We do not cover injury to:
1. insured persons; or
2. any other person, except a residence employee, who
resides regularly on any part of an insured premises.
We may pay the injured person or the party that renders
the medical services.
Payment under this coverage is not an admission of liability
by us or an insured person.
Additional Coverages
We will pay, in addition to our limit of liability:
1. Damage To Property of Others
Up to $500 per occurrence for property damage to
property owned by others caused by an insured
person. Payment will be on a replacement cost basis.
But, we will not pay for property damage:
a. caused intentionally by an insured person who
has attained the age of 13;
b. to property owned by or rented to any insured
person, any tenant of an insured person or any
resident of your household;
c. arising out of:
(1) any act or omission in connection with a
premises (other than insured premises)
owned, rented or controlled by an insured
person;
(2) business pursuits; or
(3) ownership, maintenance or use of a land motor
vehicle, trailer, farm machinery or equipment,
aircraft or watercraft;
d. to property insured under the Property Section of
this policy.
2. The Following Expenses
a. All costs we incur in the settlement of any claim or
defense of any suit.
b. Interest on the entire amount of damages awarded
in any suit we defend accruing after judgment is
entered and before we have paid, offered to pay,
or deposited in court that portion of the judgment
which is not more than our limit of liability.
However, this exception to exclusion "2" does not
apply to, and we do not cover, bodily injury or
property damage, occurring on or off the insured
premises, and arising out of the ownership,
maintenance, use, loading, unloading or negligent
entrustment of:
(1) all-terrain vehicles (ATV's),
(2) utility vehicles (UTV's),
(3) recreational off-road vehicles, or
(4) vehicles with less than 4 wheels;
b. crawler and farm type tractors;
c. farm implements;
d. golf carts while used for golfing; or
e. combines or self-propelled harvesting machines,
unless the combine or self-propelled harvesting
machine is maintained, used, loaded, unloaded or
entrusted, for hire or custom farming operations;
3. bodily injury or property damage arising out of the
ownership, maintenance, use, loading, unloading or
negligent entrustment of the following while being
towed by, connected to or carried on a land motor
vehicle other than a crawler or farm type tractor:
a. trailers, including, but not limited to, utility, stock,
boat, camper or house trailers;
b. crawler or farm type tractors; and
c. farm implements;
4. bodily injury or property damage arising out of the
ownership, maintenance, use, loading, unloading or
negligent entrustment of watercraft not located on the
insured premises:
a. owned by an insured person if it has inboard or
inboard-outdrive motor power;
b. rented to an insured person if it has inboard or
inboard-outdrive motor power of more than 50
horsepower;
c. owned by or rented to an insured person if it is a
sailing vessel 26 feet or more in length; and
d. powered by one or more outboard motors with
more than 25 total horsepower owned by an
insured person at the inception of this policy. But
this subdivision d. does not apply if you write us
within 45 days from the acquisition date that you
want coverage;
5. bodily injury or property damage arising out of the
rendering or failing to render professional services;
6. bodily injury or property damage arising out of
business activities of an insured person. But, we will
cover activities of that person not ordinarily incident to
the business;
7. bodily injury or property damage arising out of any
premises owned, rented or controlled by an insured
person which is not an insured premises;
8. bodily injury or property damage expected or
intended by or at the direction of an insured person.
9. bodily injury or property damage arising out of an
illegal act by or at the direction of an insured person;
10. bodily injury or property damage arising out of war
(declared or undeclared), civil war, insurrection,
rebellion or revolution;
11. bodily injury or property damage which arises out of
the transmission of a communicable disease by an
insured person;
12. bodily injury or property damage arising out of the
discharge, dispersal, release or escape of smoke,
vapors, soot, fumes, acids, alkalis, toxic chemicals,
liquids or gases, waste materials or other irritants,
contaminants, or pollutants into or upon land, the
atmosphere or any water course or body of water.
But, this exclusion does not apply to bodily injury
resulting from the accidental above ground contact with
herbicides, pesticides, fungicides and fertilizers caused
by the application of the same to an insured premises
which results in medical treatment within one year (365
days) of said application;
13. bodily injury, property damage, or medical expenses
arising out of or resulting from any actual, alleged or
threatened sexual molestation, act, abuse,
harassment, including any failure to supervise or
negligent supervision of any person.
We have no duty to defend or settle any sexual
molestation claim or suit against an insured person or
any employee of an insured person, or any other
person;
14. claims or suits, and any included defense costs,
seeking damages against any insured person for
personal injury. Personal injury means any injury
resulting from:
a. false arrest, imprisonment, malicious prosecution
and detention;
b. wrongful eviction, wrongful entry, invasion of rights
of privacy; or
c. libel, slander, defamation of character.
We have no duty to defend or settle any personal injury
claim or suit against an insured person or any
employee of an insured person, or any other person;
15. bodily injury to a farm employee arising out of and in
the course of employment by an insured person;
16. bodily injury or property damage arising out of the
ownership, maintenance, or use of a dwelling owned
but not occupied by an insured person, unless
described on the Declarations Page;
17. bodily injury or property damage which, in whole or
in part, arises out of, is aggravated by or results from
fungus, wet rot or dry rot;
18. liability imposed upon any insured person by any
governmental authority for any loss which, in whole or
in part, arises out of, is aggravated by or results from
fungus, wet rot or dry rot;
19. bodily injury or property damage arising out of
custom farming operations, unless a premium is
specified and charged on the Declarations Page. We
will pay no more than the limit of liability shown on the
Declarations page for the specified number of days of
custom farming coverage; or
20. bodily injury or property damage arising out of the
inhalation, ingestion, absorption or consumption of,
contact with, exposure to, existence of, or presence of
cannabis.
SFR-Bk02 12-2021 Premier Farm and Ranch Broad - Page 15
Under Medical Payments To Others - Coverage H, we
do not cover:
1. bodily injury to a person who is entitled to benefits
which are provided or required to be provided under
any workers' compensation, non-occupational disability
or occupational disease law;
2. bodily injury from any nuclear reaction, radiation or
radioactive contamination or any consequence of any
of these;
3. bodily injury to any person while on the insured
premises because a business is conducted or
professional services are rendered on the insured
premises;
4. bodily injury sustained by an independent contractor
or such contractor's employees; or
5. bodily injury to any person, if such person is regularly
residing on an insured premises.
Farm Employers' Liability - Coverage J
We will pay all sums arising out of an occurrence which an
insured person becomes legally obligated to pay as
compensatory damages to a farm employee, while in the
course of his or her employment, because of bodily injury
arising out of the ownership, maintenance or use (including
necessary or incidental operations) of the insured
premises. We will not pay any sums which you may
become legally obligated to pay as exemplary or punitive
damages.
Under Farm Employers' Liability – Coverage J, we will
pay no more than the limit of liability shown on the
Declarations page for the number of days of regular hired
labor or custom hired labor coverage.
If a claim is made or suit is brought against an insured
person for liability under this coverage, we will defend the
insured person at our expense, using lawyers of our
choice. We are not obligated to defend after we have paid
an amount equal to the limit of our liability. We may
investigate or settle any claim or suit as we think
appropriate.
Farm Employees' Medical Payments - Coverage K
We will pay to or for each farm employee, all reasonable
medical expenses incurred because of bodily injury
caused by an accident and arising out of the ownership,
maintenance or use (including necessary or incidental
operations) of insured premises, providing such bodily
injury was incurred in the course of his or her employment
by an insured person. These expenses must have been
incurred within one year from the date of accident, and we
will pay no more than the limit shown on the Declarations
Page.
Premier Farm and Ranch Broad - Page 16SFR-Bk02 12-2021
Under Personal Liability - Coverage G, we do not cover:
1. liability assumed under any unwritten contract or
agreement, or under a contract or agreement in
connection with any business of an insured person;
2. property damage to property owned by an insured
person or an employee of an insured person;
3. property damage to property occupied or used by an
insured person or rented to or in the care of an
insured person. But, we will cover property damage
to such property caused by fire, smoke or explosion,
provided the insured person is held legally obligated
to pay the damage;
4. bodily injury to a person if an insured person has or
is required to have a policy providing workers'
compensation, non-occupational disability or
occupational disease benefits covering the bodily
injury;
5. bodily injury for which any Workers' Compensation
Court orders an insured person to pay any sum or
other benefit awarded.
If a claim is made or suit brought in Workers'
Compensation Court against an insured person who
does not have and is not required to have a policy
providing Workers' Compensation benefits covering the
bodily injury, we will defend the insured person
against the claim brought in Workers' Compensation
Court, at our expense, using lawyers of our choice;
6. bodily injury or property damage when an insured
person is covered under a nuclear energy liability
policy. This exclusion applies even if the limits of
liability of that policy have been exhausted;
7. bodily injury or property damage awards against an
insured person in the form of exemplary or punitive
damages;
8. bodily injury to:
a. you;
b. your relatives residing in your household; or
c. any other person under the age of 21 residing in
your household who is in your care or the care of
a resident relative;
9. property damage to and loss of use of:
a. goods or products (including containers), grown,
raised, manufactured, sold, handled or distributed
by an insured person when the property damage
arises out of such products;
b. property caused by work performed by or for an
insured person when the property damage
arises out of such work;
c. property due to an insured person's delay or lack
of performance under any agreement or contract;
or
d. property due to the failure of an insured person's
work, goods or products to meet the level of quality
warranted or represented by the insured person;
or
10. bodily injury or property damage resulting from a
substance released or discharged from aircraft.
Farm Liability Section - III
Premier Farm and Ranch Broad - Page 17
Medical Payments (Named Insured and Family) -
Coverage M
We will pay the reasonable expense of necessary medical,
surgical, ambulance, hospital, professional nursing and
funeral services all incurred within one year from the date
of accident, up to the limit of liability, to or for such person
named on the Declarations Page, who sustains bodily
injury caused by accident, while on insured premises or
while elsewhere, if accident arises out of the insured
premises, or a condition in the ways immediately
adjoining, or out of the operations, maintenance, repair or
use of teams, tractors, combines, or self-propelled
harvesting machines, farm implements, or animals, in
connection with the operations of such insured premises
and including custom farming operations.
The payment of this medical expense applies only to that
amount in excess of $50 per accident for each insured
person.
Animal Collision - Coverage N
We will pay for loss by death of any cattle, horse or hybrid
thereof, hog, sheep, or goat, owned by an insured person
caused by collision between such animal and a vehicle not
owned or operated by an insured person or any employee
thereof. This coverage applies only while such animal is
on a public road and is not being transported.
The insurance afforded shall be limited to the market value
at the time of loss not exceeding the maximum amount
shown on the Declarations page per animal.
The coverage afforded shall apply only during the policy
period.
Exclusions
Under Farm Employers' Liability - Coverage J, and
Farm Employees' Medical Payments - Coverage K, we
do not cover:
1. bodily injury sustained by any farm employee and
arising out of the ownership, maintenance, use,
loading, unloading or negligent entrustment of aircraft;
2. bodily injury sustained by any farm employee and
arising out of the ownership, maintenance, use,
loading, unloading or negligent entrustment of land
motor vehicles.
The only exceptions to this exclusion "2" are that
exclusion "2" does not apply to bodily injury occurring
on or off the insured premises, and arising out of the
ownership, maintenance, use, loading, unloading or
negligent entrustment of:
a. land motor vehicles that are not subject to motor
vehicle registration, when the bodily injury occurs
on the insured premises.
However, this exception to exclusion "2" does not
apply to, and we do not cover, bodily injury
occurring on or off the insured premises, and
arising out of the ownership, maintenance, use,
loading, unloading or negligent entrustment of:
(1) all-terrain vehicles (ATV's),
(2) utility vehicles (UTV's),
(3) recreational off-road vehicles, or
(4) vehicles with less than 4 wheels;
b. crawler and farm type tractors;
c. farm implements; or
d. combines or self-propelled harvesting machines,
unless the combine or self-propelled harvesting
machine is maintained, used, loaded, unloaded or
entrusted, for hire or custom farming operations;
SFR-Bk02 12-2021
3. bodily injury sustained by any farm employee and
arising out of the ownership, maintenance, use,
loading, unloading or negligent entrustment of the
following while being towed by, connected to or carried
on a land motor vehicle other than a crawler or farm
type tractor:
a. trailers, including, but not limited to, utility, stock,
boat, camper or house trailers;
b. crawler or farm type tractors; and
c. farm implements;
4. bodily injury sustained by any farm employee and
arising out of the ownership, maintenance, use,
loading, unloading or negligent entrustment of
watercraft;
5. bodily injury to any farm employee who is entitled to
benefits which are provided or required to be provided
under any workers' compensation, non-occupational
disability or occupational disease law;
6. bodily injury for which any Workers' Compensation
Court orders an insured person to pay any sum or
other benefit awarded.
If a claim is made or suit brought in Workers'
Compensation Court against an insured person who
does not have and is not required to have a policy
providing Workers' Compensation benefits covering the
bodily injury, we will defend the insured person
against the claim brought in Workers' Compensation
Court, at our expense, using lawyers of our choice;
7. bodily injury
a. suffered by an employee who is not engaged in the
actual performance of his or her duties, as an
employee; or
b. suffered by the insured person's spouse, son,
daughter, or other relative, or a tenant and
immediate members of tenant's family while
residing on the insured premises, unless he or
she is a farm employee and is listed on the
insured person's payroll records on the date of
injury; or
8. bodily injury sustained by any farm employee arising
out of the inhalation, ingestion, absorption or
consumption of, contact with, exposure to, existence
of, or presence of cannabis.
Under Farm Employers' Liability - Coverage J, we do
not cover:
1. liability assumed by the insured person under any
contract or agreement;
2. sickness or disease of any farm employee unless,
prior to thirty-six months after the end of the policy
period, written claim is made or suit is brought against
the insured person for damages because of sickness
or disease or death resulting there from; or
3. bodily injury or property damage with respect to
which any insured person under this policy is also an
insured person under a nuclear energy liability policy
issued by the Nuclear Energy Liability Insurance
Association, Mutual Atomic Energy Liability
Underwriter, or Nuclear Insurance Association of
Canada, or would be an insured person under any
such policy but for its termination upon exhaustion of
its limit of liability.
Under Medical Payments (Named Insured and Family) -
Coverage M, we do not cover:
1. bodily injury arising out of the ownership,
maintenance, use, loading, unloading or negligent
entrustment of motor vehicles subject to motor vehicle
registration, all-terrain vehicles (ATV's), utility vehicles
(UTV's), recreational off-road vehicles, or vehicles with
less than 4 wheels; or
2. bodily injury arising out of the inhalation, ingestion,
absorption or consumption of, contact with, exposure
to, existence of, or presence of cannabis.
Personal and Farm Liability Conditions
These Conditions are in addition to those shown in the
General Section.
1. Duties of an Injured Person
Medical Payments To Others Coverage - Coverage
H
The injured person or someone acting on behalf of the
injured person will:
a. give us, as soon as possible, written proof of claim
under oath, if possible;
b. submit to physical examinations at our expense by
doctors we select as often as we may reasonably
require; and
c. authorize us to obtain medical and other records.
2. Limits of Liability
Regardless of the number of insured persons, injured
persons, claims made or suits brought, our liability is
limited as follows:
a. As respects Personal Liability - Coverage G, the
limit of liability stated on the Declarations page is
the total limit of our liability for all damages
resulting from any one occurrence.
b. As respects Medical Payments To Others -
Coverage H, the limit of liability stated on the
Declarations page as applicable to "each person"
is our limit of liability for all medical expenses for
bodily injury to any one person as the result of
any one accident. Subject to the limit for "each
person", our limit for bodily injury to two or more
persons in any one accident shall not exceed the
limit of liability stated on the Declarations page as
applicable to "each accident".
3. Severability of Insurance
This insurance applies separately to each insured
person against whom claim is made or suit is brought,
subject to our limits of liability for each occurrence.
4. Suit Against Us
We may not be sued under Personal Liability -
Coverage G until the obligation of an insured person
to pay is finally determined either by judgment against
the person after actual trial or by written agreement of
the person, the claimant and us. No one shall have
any right to make us a party to a suit to determine the
liability of an insured person.
5. Bankruptcy
We are not relieved of any obligation under this policy
because of the bankruptcy or insolvency of any
insured person.
SFR-Bk02 12-2021 Premier Farm and Ranch Broad - Page 18
6. Other Insurance - Personal and Farm Liability
The insurance for Personal Liability - Coverage G,
Medical Payments to Others - Coverage H, Farm
Employers' Liability - Coverage J, and Farm
Employees' Medical Payments - Coverage K is
excess over any other valid and collectible insurance.
However, if the other insurance is specifically written
as excess insurance over this policy, the limits of this
policy apply first.
Mutual Conditions
1. Mutuality of Policy
By accepting this policy, you become a member of the
Oklahoma Farm Bureau Mutual Insurance Company
with all the rights and privileges of a member as
provided in the Company By-laws in force at the time
this policy takes effect, or that may become in force
during the continuance of this policy. This will entitle
you to vote your membership at any annual or
regularly called special meeting either in person or by
proxy executed on the application for this policy.
2. No Contingent Liability
This policy is nonassessable.
3. Participation In Savings and Earnings
This policy is on the mutual or participating plan, and
you, during the continuance of this policy, will be
entitled to participate in this Company's savings and
earnings as the Board of Directors may determine, in
accordance with applicable law, to distribute to the
policyholders of your class or division.
Acceptance Of Policy
By acceptance of this policy, you agree that the
statements in the applications and the Declarations Page
are your agreements and representations, that this policy
is issued in reliance upon the truth of such representations
and that this policy, as it relates to this insurance,
embodies all agreements existing between yourself and us
or any of our agents.
This policy is signed on the Declarations Page by a duly
authorized representative of the Oklahoma Farm Bureau
Mutual Insurance Company in Oklahoma City, Oklahoma.
