Country Homeowners

Country Home Residence Coverage

Insurance protection for rural owner occupied residences with incidental farming operations or operations with a limited number of livestock or horses. Coverage can be provided under several residence program options, many of which provide coverage for Personal Property, Related Private Structures, and Additional Living Costs.

Residence Program Offerings:

  • Replacement Cost
  • Expanded Replacement Cost
  • Modified Replacement Cost
  • Actual Cash Value

Farm Coverage Options

Barns, Buildings & Structures:

  • Replacement Cost Coverage available on qualified buildings
  • Inflation Guard available on qualified buildings
  • Weight of Ice, Snow or Sleet available on qualified buildings
  • Ginseng Structures
  • Ginseng Roots
  • Silos

Scheduled Farm Personal Property:

Gives you the opportunity to insure only specific items of your farm personal property, for stated values, to insure you have the desired coverage wanted.

Unscheduled Farm Personal Property:

Gives you the option to insure your farm personal property on a “blanket” coverage basis, to ensure all items are covered (coverage amount must meet a 80% co-insurance minimum).

Homeowners Insurance

Optional Endorsements

  • Incidental Business Pursuits
  • Country Home Package: Unique coverages provided by McMillanWarner in one package that includes: Personal Injury (if liability coverage is present), Replacement Cost Provision for Well Pumps, Increased Fire Department Service Charge Limit, Increased Refrigerated Products Coverage Limit and Machinery Not Described.
  • Identity Fraud Expense Coverage
  • Water Damage – Sewers Drains & Sumps
  • Horse Liability Available
  • Mechanical Breakdown Coverage
  • Off Premises Liability Available for ATVs, Boats and Snowmobiles
  • Replacement Cost Provision for Well Pumps
  • Breakage of Cab Glass
  • 4-H & FFA Animals
  • Additional Insured

Liability Coverage - Includes up to 80 acres of owned land

Coverage can be provided for Personal Liability (Farm); liability coverage includes Medical Pay to Public and limited Farm Employee Medical Pay coverage.

Optional Endorsements

  • Farm Employee Coverage
  • Additional Insureds
  • Additional Locations or Residences
  • Horse Liability
  • Limited Pollution Coverage
  • Incidental Business Pursuits
  • Roadside Stands
  • Off Premises Liability coverage for ATVs
  • Personal Injury
  • Livestock Exclusion

Available Discounts

  • Auto/Home
  • Claim Free
  • Mortgagee Free
  • New Home
  • Protective Devices