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FARM FP 00 13 01 98

FARM PROPERTY – FARM PERSONAL PROPERTY COVERAGE FORM

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

Throughout this Coverage Form, the words "you" and "your" refer to the Named Insured shown in the Declarations. If the Named Insured shown in the Declarations and spouse are members of the same household, the words "you" and "your" also refer to the spouse. The words "we", "us" and "our" refer to the Company providing this insurance.

Other words and phrases that appear in quotation marks have special meaning. Refer to the Definitions Section of the Farm Property – Other Farm Provisions Form – Additional Coverages, Conditions, Definitions.

d. Farm products, materials and supplies shown in the Declarations. These include farm materials and related packing materials and containers usual to the operations of a farm, but not hay, grain or

any growing crops.

e.

"Poultry" specified):

(excluding

turkeys

unless

  • (1)

    In the open; or

  • (2)

    In any building designated for "poultry"

in the Declarations.

But for this property, the Basic or Broad Covered Causes of Loss are the only Covered Causes of Loss.

SECTION I – COVERAGES

COVERAGE E – SCHEDULED FARM PERSONAL PROPERTY

A. Coverage

We will pay for direct physical loss of or damage to Covered Property at the "insured location" described in the Declarations, or elsewhere as expressly provided below, caused by or resulting from any Covered Cause of Loss.

1. Covered Property

All of the following are Covered Property under Coverage E of this Coverage Form, provided a Limit of Insurance is shown in the Declarations for the specific type of property:

  • a.

    Grain, threshed seeds and beans, ground feed, silage, and manufactured and blended "livestock" feed in buildings or structures or in sacks, wagons or trucks.

  • b.

    Grain in stacks, shocks, swaths or piles in the open, but for this property fire and lightning, vandalism, vehicles and theft are the only Covered Causes of Loss.

  • c.

    Hay, straw and fodder:

    • (1)

      In buildings or structures; and

    • (2)

      In stacks, windrows or bales, but for this property fire or lightning, windstorm or hail, vandalism, vehicles and theft are the only Covered Causes of Loss. A 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.

  • f.

    Trays, boxes and box shook, each item or set in the proportion that its value bears to the total value of all trays, boxes and box shook covered under this Coverage Form.

  • g.

    Computers and related software used principally as aids in farm management. But an item of software is Covered Property only up to the amount required to replace it as a prepackaged program, or in unexposed or blank form, whichever is greater.

h.

Miscellaneous incidental to

equipment, the operatio

n

usual or of a farm

(including machinery, vehicles, tools, and supplies of all kinds), covered under a

single

Limit

of

Insurance

shown

for

Miscellaneous Declarations.

Equipment

in

the

But such miscellaneous farm equipment

does not include: (1) Threshing

machines,

tractors,

combines, corn pickers, hay balers, harvesters, peanut diggers, potato diggers and pickers, cotton pickers, crop driers or sawmill equipment;

(2) Automobiles,

trucks,

motorcycles,

motorized bicycles or tricycles, mopeds, dirt bikes, snowmobiles, four-wheel all- terrain vehicles; mobile homes, house trailers; vehicles primarily designed and licensed for road use (other than farm wagons and farm trailers); watercraft or aircraft; or the equipment, tires or parts of any of these;

(3) Liquefied petroleum or manufactured gas or fuel, or their containers;

FP 00 13 01 98

Copyright, Insurance Services Office, Inc., 1997

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