Farmowners
McMillan Warner Mutual Insurance Company is a leader in the Farmowners Insurance industry, specializing in rural properties. Our company has been in business for over one hundred twenty years in Wisconsin and has been rated by A.M. Best since 2004. We offer local claims service, professional loss safety consultation services and a hardworking staff dedicated to protect you, your family and your property.
Farmowners Coverage
Comprehensive insurance protection for farming operations; coverage can be provided under several residence program options, many of which include coverage for Personal Property, Related Private Structures (non-farm usage), and Additional Living Costs. Farm coverage is available for Farm Barns, Buildings & Structures, Scheduled Farm Personal Property and Unscheduled Farm Personal Property. Farmowners coverage also includes Equipment Breakdown Coverage.
Residence Program Offerings:
- Replacement Cost
- Expanded Replacement Cost
- Modified Replacement Cost
- Actual Cash Value
- Rental Residences on Farm Premises
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
- Irrigation Equipment
- 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).
Optional Property Coverage Endorsements
- Farm Packages Coverage (4 different options available): Unique Coverages provided by McMillan Warner in one package that may include; Milk Spoilage Coverage, Lightning or Electrocution of Livestock, Silo Unloader Collision, Replacement Cost Provision for Well Pumps, Increased Fire Department Service Charge Limit, Increased Refrigerated Products Coverage Limit, Rented/Borrowed Equipment, Business Income Coverage, Foreign Object Coverage, or Personal Injury
- Replacement Cost Provision for Well Pumps
- Extra Operating Expense
- Mechanical Breakdown
- Ingestion of Foreign Objects
- Farm Income & Expense
- Peak Season
- Property in Transit
- Cab Glass Breakage
- 4-H & FFA Animals
- Rented or Borrowed Equipment
- Contaminated Milk
- Coverage “F” & “G” Partial Loss Replacement Cost
- Weight of Ice, Snow, or Sleet
- Outdoor Wiring Increased
- Water Damage – Sewers, Drains, & Sumps
Liability Coverage
Coverage can be provided for Personal Liability (Farm) or Commercial Liability (Farm Premises and Operations). Liability coverage also includes Medical Pay to public and limited Farm Employee Medical Pay coverage.
Optional Endorsements
- Farm Employee Coverage
- Milk Contamination
- Custom Farming
- Vehicles Not Licensed for Road Use
- Additional Insureds
- Additional Locations or Residences
- Fire Legal Liability
- Horse Liability
- Limited Pollution Coverage
- Incidental Business Pursuits
- Roadside Stands
- Off Premises Liability coverage for ATVs
- Personal Injury
- Structures Rented to Others
Available Discounts
- Auto/Home
- Claim Free
- Mortgagee Free
- New Home
- Protective Devices