Western Reserve Group, farm insurance specialists since 1906, offers a competitively priced Farmowners product with the flexibility to meet the needs of each individual farm owner.

Our tiered program offers a wide range of coverage options for your farm dwelling, farm personal property and outbuildings.

Optional coverages are available allowing the flexibilty to tailor coverage for specific needs.

Some features of our Farmowner program include:


• Coverage for farm dwelling & household personal property (Basic, Broad or Special)
• Coverage for farm personal property (Basic, Broad or Special)
• Coverage for farm outbuildings (Basic, Broad or Special)
• Farmers comprehensive personal liability – including personal injury protection and medical payments
• Physical damage to the property of others
• Inflation protection
• TV antennas/satellite dish coverage
• Refrigerated products coverage
• Sudden and accidental farm pollution coverage
• Milk contamination coverage

Optional Coverages Available:


• Replacement cost coverage for household personal property
• Water backup of sewers & drains
• Farm machinery glass coverage
• Borrowed farm machinery coverage
• Earthquake coverage on farm dwellings, farm personal property and outbuildings
• Spoilage for perishable farm personal property

We offer a Preferred Farmowners Enhancement endorsement for qualifying farm dwellings. The coverage provides four additional coverages at a minimal annual charge:


• Dwelling replacement cost
• Replacement cost on household personal property
• Lock replacement coverage
• Water backup of sewers & drains

Our Suburban Farmowners program offers the same coverages as the Farmowners program, at a reduced cost, for those meeting two of the three following criteria:


• 80 acres or less
• $20,000 farm personal property or less
• $10,000 or less gross annual farm income not including land rental

Discounts available:


• Auto/farm credits, deductible credits, new home discounts, protective devices discounts and masonry discounts for those customers that qualify.