The Western Reserve Group offers a comprehensive and competitively priced portfolio of personal, farm, and commercial insurance products. The products are backed by experienced employees dedicated to providing the best possible products and service to agents and policyholders.

Property Coverages

Basic Coverage

Provides coverage against the following perils:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism
  • Theft
  • Sinkhole collapse
  • Volcanic action
  • Collision (farm personal property only; also includes roadbed and ground)
  • Earthquake loss to livestock
  • Flood loss to livestock  


Broad Coverage

Provides the following coverages in addition to the coverages included in the "Basic" form:

  • Electrocution of covered livestock
  • Attacks on covered livestock by dogs or wild animals
  • Accidental shooting of covered livestock
  • Drowning of covered livestock
  • Loading / Unloading accidents
  • Breakage of glass or safety glazing material
  • Falling objects
  • Weight of ice, snow or sleet
  • Sudden and accidental tearing apart
  • Accidental discharge or leakage of water or steam
  • Freezing of a plumbing, heating, air conditioning or automatic fire protective system or of a household appliance
  • Sudden and accidental damage from artificially generated electrical current


Special Coverage

Provides coverage included in Broad Coverage plus additional causes of direct physical loss to eligible property, subject to certain exclusions and conditions.


Additionally, the following coverages are automatically included under all coverage forms:

  • Outdoor radio and TV antennas, towers and satellite dish coverage - $1,500*
  • Refrigerated products coverage - $500*
  • Up to $2,000 coverage for farm operations records*
  • Up to 30 days coverage for replacement machinery, vehicles and equipment newly purchased up to $100,000 in value
  • New construction (farm structures; 60 days) - $100,000
  • Pollutant cleanup and removal (property) - $10,000
  • Private power and light poles - $1,000*
  • Fire Department service charge - $2,500
  • Jewelry - $2,500
  • Firearms and related equipment - $3,000
  • Grave markers - $5,000


* Higher limits available