Farm Insurance

We were formed in 1898 in the spirit of neighbors helping neighbors, as many farmers were unable to find companies to insure their properties and livestock. We started as a farm mutual, which means whatever type of farm you operate, our products will be sure to meet your needs. 

Whatever type of farm you operate, our products will meet your needs. We are a “farm” mutual.

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Farm Insurance Products

farm home Insurance

Home Insurance 

farm liability

Farm Liability

farm buildings

Farm Buildings

farm livestock

Farm Livestock

farm machinery

Farm Machinery

farm produce

Farm Produce

farm income

Farm Income

other coverages

Other Coverages

Policy Wording

Refer to your policy declaration page for the coverages you have purchased from us. Your agent or broker is your best adviser.

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Description of Coverage Coverage Code Coverage Type Current Wording Previous Wordings
Your Seasonal Home Insurance Policy – Farm SE-01.18 Farm, Home Insurance Mar 2022
Your Premium Secondary Home Insurance Policy – Farm PSH-01.18 Farm, Home Insurance Mar 2022
Your Rental Dwelling Insurance Policy – Farm RD-01.18 Farm, Home Insurance Mar 2022
Your Secondary Home Insurance Policy – Farm SH-01.18 Farm, Home Insurance Mar 2022
Your Tenants Insurance Policy – Farm TP-01.18 Farm, Home Insurance Mar 2022
Your Basic Insurance Policy – Farm BAS-01.18 Farm, Home Insurance Mar 2022
Water Backup Endorsement – Farm WBE-01.18 Farm, Home Insurance Mar 2022
Water Protection Endorsement – Farm WPE-01.18 Farm, Home Insurance Mar 2022
Watercraft Floater – Farm WC-01.18 Farm, Other Coverages Mar 2022
Your Condominimum Insurance Policy – Farm CP-01.18 Farm, Home Insurance Mar 2022
Your Condominium Rental Insurance Policy – Farm CRP-01.18 Farm, Home Insurance Mar 2022
Your Country Home Insurance Policy CRP-01.18 Farm, Home Insurance Mar 2022
Your Home Insurance Policy – Farm HP-01.18 Farm, Home Insurance Mar 2022
Your Premium Country Home Insurance Policy PCH-01.18 Farm, Home Insurance Mar 2022
Your Premium Home Insurance Policy – Farm PHP-01.18 Farm, Home Insurance Mar 2022
Your Premium Rental Dwelling Insurance Policy – Farm PRD-01.18 Farm, Home Insurance Mar 2022
Semen Embryo Tank Coverage – Broad Form SET-01.18 Farm, Farm Livestock Mar 2022
Snowload SN-01.18 Farm, Farm Buildings Mar 2022
Stated Value Coverage Extension MSV-01.18 Farm, Farm Buildings Mar 2022
Statutory and Additional Conditions – Farm CON-01.18 Farm, Farm Liability Mar 2022
Unmanned Air Vehicle Systems ELI-0240-1115 Farm, Other Coverages Mar 2022
Owners Constrution Liability Endorsement – Farm ELI-0012-0396 Farm, Home Insurance Mar 2022
Personal Articles Floater – Farm PAF-01.18 Farm, Other Coverages Mar 2022
Produce – Named Perils PNP-01.18 Farm, Farm Produce Mar 2022
Rebuilding Clause Amendment RBA-01.18 Farm, Farm Buildings Mar 2022
Roof Restriction Endorsement – Farm RRE-01.18 Farm, Farm Buildings, Home Insurance Mar 2022
Loss of Farm Rental Income LOR-01.18 Farm, Farm Buildings Mar 2022
Loss of Income – Enhanced Form LIH-01.18 Farm, Farm Liability Mar 2022
Loss of Income – Standard Form LIS-01.18 Farm, Farm Liability Mar 2022
Loss of Use – Farm Machinery LOU-01.18 Farm, Farm Machinery Mar 2022
Machinery and Equipment – All Risk ME-01.18 Farm, Farm Machinery Mar 2022
Livestock – Extended Perils LIE-01.18 Farm, Farm Livestock Mar 2022
Functional Rebuilding Cost – Farm FRC-01.18 Farm, Home Insurance Mar 2022
General Definitions – Farm DEF-01-18 Farm, Home Insurance Mar 2022
General Definitions – Residential – Farm DFR-01.18 Farm, Home Insurance Mar 2022
General Loss or Damage Not Insured – Farm GLD-01.18 Farm, Home Insurance Mar 2022
Home Systems Protection Endorsement – Farm EO-0940-0316 Farm, Home Insurance Mar 2022
Indemnity Period Extension IPE-01.18 Farm, Other Coverages Mar 2022
Legal Liability – Farm LL-01.18 Farm, Farm Liability Mar 2022
Life Lease Extension Endorsement – Farm EO-0820-1206 Farm, Home Insurance Mar 2022
Livestock – All Risk LIA-01.18 Farm, Farm Livestock Mar 2022
Farm Building – Debris Removal FBA - 01.18 Farm, Farm Buildings Mar 2022
Farm Building – Named Perils FBN - 01.18 Farm, Farm Buildings Mar 2022
Farm Building – Total Loss Coverage Extension TLC - 01.18 Farm, Farm Buildings Mar 2022
Farm Liability ELI-0965-0215 Farm, Farm Liability Mar 2022
Farmers Limited Liability ELI-0006-1113 Farm, Farm Liability Mar 2022
Farm Building – Agreed Value AV - 01.18 Farm, Farm Buildings Mar 2022
Farm Building – All Risk FBA - 01.18 Farm, Farm Buildings Mar 2022
Builders Risk Coverage – Farm BR - 01.18 Farm, Home Insurance Mar 2022
Contingent Income CI - 01.18 Farm, Farm Income Mar 2022
Equipment Breakdown Coverage Endorsement EO-0860-0217 Farm, Other Coverages Mar 2022
Extensions of Coverage – Enhanced EXE - 01.18 Farm, Home Insurance Mar 2022
Extensions of Coverage – Standard EXS - 01.18 Farm, Home Insurance Mar 2022
Extentions of Coverage – Country EXC - 01.18 Farm, Home Insurance Mar 2022
Extra Expense Insurance Coverage Form EX - 01.18 Farm, Farm Income Mar 2022
Farm Accident FA - 01.18 Farm, Farm Buildings Mar 2022
Additional Coverage – Basic – Farm ACB - 01.18 Farm, Home Insurance Mar 2022
Additional Coverage – Home – Farm ACS - 01.18 Farm, Home Insurance Mar 2022
Additional Coverage – Premium – Farm ACE - 01.18 Farm, Home Insurance Mar 2022
Antique Tractor Endorsement AT - 01.18 Farm, Farm Machinery Mar 2022
Builders and Personal Liability ELI-0995-0115 Farm, Home Insurance Mar 2022
Additional Building Protection ABP-01.18 Farm, Farm Buildings Mar 2022

Testimonials

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Other Products

At HTM, we strive to offer a variety of products to fit your every need, allowing you to have everything you need in one place. Our product offering includes Farm, Residential, Auto and Commercial policies, which you can choose from by working with one of  our knowledgeable agents or brokers.