Farm & Agribusiness Program

Main Residence-owner or tenant occupied, Tenant Farm Owners-Coverage C and D. We have vacant and seasonal rates also.

Homeowners Image

We insure a large variety of farms from the Hobbyist/Gentlemen to the large Commercial that is reasonably priced with a wide range of coverage options.

Trust Allegany Insurance Group to provide comprehensive coverage and peace of mind for your valuable investments.

Coverages

We offer Basic, Broad, Special, and Comprehensive form coverages to protect your home, contents, garages/barns and Inland Marine for Livestock and Machinery. We also offer replacement cost and actual cash value policies to meet your needs.

Optional Property Coverages:

  • Additional Dwellings, Location – ML-309 or Coverage F.
  • Additional Expense & Loss of Rent and Building Additions & Alterations.
  • Borrowed Farm Machinery & Equipment.
  • Bulk Milk Coverage.
  • Exclusion of Plastic/Fabric Coverings – greenhouses/coverall barns (if needed)
  • Replacement Cost on Barns, Other Outbuildings.
  • Farm Extra Expense & Loss of Income.
  • Farm Machinery Glass
  • Peak Season Inventories or Monthly Seasonal Variations.
  • Various Homeowners Coverage Packages – ML-5, ML-150A, Identity Theft, ML 342, Mechanical Breakdown.
  • Inland Marine Coverages – MR 33 Livestock, MR-41 Mobile Machinery.

Optional Liability Coverages:

  • Horse Boarding (per stall charge).
  • Incidental Business Exposures (i.e., Maple Syrup, Honey, Roadside Stands, Retail Stores).
  • Products & Completed Operations.
  • Commercial Liability Forms – LS-1, LS-5 when needed.
  • Excess Liability (up to $2 million occ/$4 million agg).
  • “Pick Your Own” Fruit and Vegetable Farming – No Ladders.
  • Special Events, 1-3-day events, et

Discounts

By placing your farmowner coverage with Allegany Insurance Group you may qualify for one or more of the following discounts:

  • New Home- for homes built in the last 20 years.
  • Gentlemen Farm- Must have RC on home, home must be owner occupied, and main income cannot be from farming, must be employed off premise or retired.
  • ML-216 – credits for smoke detectors, fire extinguishers and central station alarm.
  • Supporting Business Credit- Credit applied when policy insures house, barn and inland marine.
  • Superior Risk Credit.
  • Renovated Home Credits for Electrical, Heating, Plumbing and Roof.
  • Loss Free Credit in PA.
  • Renewal Retention Credit in NY.