Farmowners Insurance & Farm Fire


We offer coverage for your farm, farmette or hobby farm. Including dwellings, outbuildings, personal property and farm equipment.

A Clarno Mutual Insurance Company package policy for farmowners provides the following.

Dwelling, Personal Property & Additional living expense

Broad form perils:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Sudden & accidental damage from smoke
  • Vandalism & malicious mischief
  • Identity fraud expense
  • Fire department service call

Farm outbuildings and farm personal property

Protection provided against the following:

  • Smoke
  • Vandalism & malicious mischief
  • Theft
  • Collision or overturn
  • Electrocution of livestock

Plus farm liability providing you with personal liability insurance for the protection of your farm operations.

Special peril package - We extend coverage to all insured farm property for:

  • Glass coverage
  • Borrowed farm machinery, vehicles & equipment
  • Farm operations records expenses
  • Added perils for refrigerated food
  • Damage by foreign objects / injestion
  • Snowload coverage
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