Dwelling Policy
Farmers Mutual Insurance Company's most common policy is the dwelling policy. This policy allows you to have individual property coverage on your home, the contents of your home, any outbuildings or other structures, and their contents. This policy will cover your property in the off chance of a fire, windstorm, hail, lightning, vandalism, limited theft, water damage, snow, sleet, ice, owner's living expense, and refrigerated product loss. The dwelling program also includes personal liability coverage provided through Farmers Mutual of Tennessee based out of Knoxville, TN. The liability coverage is optional, but we strongly recommend obtaining both property and casualty lines of insurance. The deductibles for the dwelling policy is $50.00 for partial property losses and $250.00 for theft losses. Call our office today if you are interested in our dwelling program!
Farm Policy
Our farm policy provides property and liability coverage for homes, buildings (barns, outbuildings, toolsheds, etc), and cattle within the farm operations. Whether your farm premises are on one location or multiple locations, Farmers Mutual Insurance Company is able to provide coverage that is customized to fit your specific needs. This policy will cover fire, windstorm, hail, lightning, vandalism, limited theft, water damage, snow, sleet, ice, owner’s living expense, and refrigerated product loss. The farm program also includes farm liability coverage (5 acres or more) provided through Farmers Mutual of Tennessee based out of Knoxville, TN. The liability coverage is optional, but we strongly recommend obtaining both property and casualty lines of insurance. The deductibles for the farm policy is $50.00 for partial property losses and $250.00 for theft losses. Call our office today if you are interested in our farm program!
Church Policy
Think for a moment about the amount of prayer, labor, and sacrificial giving required for you to build your church. As stewards of what God has entrusted to you, it is important to have an insurance program designed to protect your congregation against the many forces that would cause you to lose what your congregation has worked for. Farmers Mutual Insurance Company's church policy provides the smaller congregation property and liability coverage that is customized to fit it's individual needs. This policy will cover fire, windstorm, hail, lightning, vandalism, limited theft, water damage, snow, sleet, ice, and refrigerated product loss. The church program also includes church liability coverage provided through Farmers Mutual of Tennessee based out of Knoxville, TN. The liability coverage is optional, but we strongly recommend obtaining both property and casualty lines of insurance. The deductibles for the church policy is $50.00 for partial property losses and $250.00 for theft losses. Call our office today if you are interested in our church program!
Builder's Risk Policy
Farmers Mutual Insurance Company recognizes the need of protecting material investments during the process of constructing a dwelling. Our builder's risk policy is designed to give the small contractor the ability to personally manage his or her insurance coverage needs with multiple increases during the building phase. In today's economic climate, smart and responsible home builders understand that every piece of lumber counts. This policy covers fire, windstorm, lightning, and theft. The deductible for the builder's risk policy is $50.00 for partial property losses or $250.00 for theft losses. Call our office today if you are interested in our builder's risk program!
Mobile Home Policy
Farmers Mutual Insurance Company provides coverage for property that other insurance companies may not insure. Homeowners with anchored mobile or modular homes, that are not on a permanent foundation, are able to receive property and liability coverage at a reasonable rate through our mobile home policy. This policy will cover your property in the off chance of a fire, windstorm, hail, lightning, vandalism, limited theft, water damage, snow, sleet, ice, owner's living expense, and refrigerated product loss. The mobile home program also includes personal liability coverage provided through Farmers Mutual of Tennessee based out of Knoxville, TN. The liability coverage is optional, but we strongly recommend obtaining both property and casualty lines of insurance. The deductibles for the mobile home policy is $50.00 for partial property losses and $250.00 for theft losses. Call our office today if you are interested in our mobile home program!
Renters Policy
When renting a house or an apartment, you may think that there is no need to have insurance coverage. Just because your landlord has insurance on the house or apartment unit that you are renting from them, does not mean that your personal belongings are covered in the event of a their loss. Landlords do not provide complimentary insurance coverage on their renter's furniture, electronics, clothing, etc. Many renters are not aware that the things they own, and have worked hard to obtain, are not insured at all. Farmers Mutual Insurance Company's renter's program provides coverage for the responsible renter that will give them peace of mind knowing that their personal possessions are covered in the event of property loss or theft. The deductible for the renter's policy is $50.00 for property losses or $250.00 for theft losses. Call our office today if you are interested in our renter's program!
