Farm Personal Liability Coverage provides Personal and Premises Liability and Medical Payments to Others.Included without Additional Premium Charge:• Medical Payments to Public and Farm Employees• Farm Pollution and Cleanup - $10,000 Included (higher limits available)• Accidental Spray Drift Property Damage - $100,000• Damage to Property of Others - $1,000 Included (higher limits available)• Custom Farming (Less than, or equal to $5,000 gross receipts, higher by endorsement)• Watercraft Liability (Less than, or equal to 50HP)• Employers Liability (40 days or less)

Optional Liability EndorsementsContract Growers Limited LiabilitySpray Drift from Custom Ag SprayingChild Day CareBusiness Activities for Non-owned BusinessesIncidental Business for Owned Businesses

Hunting on Insured Premises for FeeRecreational Vehicles & WatercraftResidence Rented to OthersPersonal InjuryFarmers Medical Payments for named persons

Additional Optional Coverages Available

Liability

NOTE: This brochure is not a contract. All coverages and perils described by this brochure are subject to all terms, definitions and conditions of the policy. Refer to policy forms for exact coverage provisions.

Inland Marine (Optional Scheduled Coverage)

ACV coverage for nearly all perils on special property such as:

ATV’sBoats, Motors and TrailersCamerasCamper TrailersC.B. RadiosComputer EquipmentDrones / UAVs / Model Aircraft

Fine ArtsFish HousesGolf CartsGolf EquipmentGPS / Auto Track SystemsGunsIrrigation Equipment

Jewelry / FursMusical InstrumentsPersonal WatercraftPortable ToolsSnowmobilesStereo EquipmentTrailers

North Star Mutual Insurance Company - Cottonwood, MN - www.northstarmutual.comCF-584 (Ed. 8-18)

Liability (Cov. L) - Damages for which the insured is liable by law if the bodily injury or property damage is caused by an occurrence arising out of the insured’s premises or personal/farming activities

Medical Payments (Cov. M) - Medical expenses incurred by persons, who are not insureds, if the bodily injury arises out of the insured’s premises or personal/farming activities

Farmowners PolicyA.M. Best Rates North Star “A+” Superior

Limited Perils• Fire or Lightning• Windstorm or Hail• Explosion• Volcanic Eruption• Vehicles• Smoke• Riot or Civil Commotion• Sinkhole Collapse• Aircraft

Basic PerilsIncludes Limited Perils, PLUS:• Vandalism• Collision, or Overturn• Theft• Death of Livestock Resulting From: Electrocution Attack by Dogs or Wild Animals Accidental Shooting Drowning Building Collapse

Special PerilsCovers the risk of direct physical loss unless the loss is limited or excluded.

Broad PerilsIncludes Limited & Basic Perils, PLUS:• Accidental discharge or overflow of liquids or

steam• Sudden and accidental tearing apart, cracking,

burning or bulging of a heat or air conditioning system or water heater

• Freezing of a plumbing, heating or air conditioning system or domestic appliance

• Sudden and accidental damage from artificially generated electrical currents

• Weight of Ice, Snow, or Sleet• Falling Objects

Actual Cash Value (ACV) - Pays the cost to replace the property at the time of loss, less applicable depreciation, up to the policy limit of the item damaged, less any applicable deductible.

Replacement Cost (RC) - Pays the actual cost to replace the damaged property at the time of loss without deduction for depreciation, up to the policy limit of the item damaged, less any applicable deductible.

Coinsurance - You agree to insure your property for a minimum amount. If at the time of the loss, your property is insured for a lower amount, the company pays only a percentage of the loss. This is determined by dividing out the limit of insurance by the amount that should have been purchased to comply with the minimum.

Blanket or Schedule - While a blanket (unscheduled)covers all farm personal property (subject to exclusions) giving you flexibility, scheduled items are individually listed on your policy for a specific amount. A blanket is subject to coinsurance.

Common Loss Deductible - Only the single highest deductible applies in the event that a covered loss occurs to property insured under more than one North Star Mutual policy.

Residence & Contents (Cov. A, C & D)Notable Additional Coverages Included• Additional Living Expense (12 mo. sustained loss)• Fire Department Service Charge - $500*• Identity Theft Protection - $5,000*• Underground Service Line Coverage (Optional)

Optional Coverages Available• Replacement Cost Contents - Personal Property• Special Form - Personal Property• Backup of Sewers, Drains, & Sump Systems• Refrigerated Food Products• Expanded RC on Dwelling (up to 125%)• Modified RC on Dwelling (50% to 80% RC)• Loss of Rents

Farm Personal Property (Cov. E & F)Notable Additional Coverages Included• Non-depreciation for Repairs to Equipment• Borrowed/Rented/Leased Farm Equipment - $10,000*• Hay in the Open (if blanketed or scheduled) - $15,000* • Fire to Standing Grain (up to 10% if included in Cov. F)

Optional Coverages Available• Farm Equipment Cab Glass (no deductible applies)• Replacement Cost - Irrigation Equipment• Refrigerated Milk Products• Added Animal Perils - Sheep • Winter Livestock Perils (Freezing & Smothering)• Livestock Confinement Coverage (Suffocation)• Peak Season Inventories• Farm Extra Expense• Loss of Income (Livestock Operations)• Farm Operations Records

Installed Equipment BreakdownOptional Coverage ~ See related brochure• Physical Damage • Business Interruption • Lost Value of Spoilage • Mechanical breakdown• Shorted Electrical Circuits• Overheating, Cracking, or Bulging of a

boiler or other pressure vessel• Centrifugal Force• Ammonia Contamination

Definition of Property Coverage AreasResidence & Contents (Cov. A, C & D) - Home, Household Personal Property, and Loss of Use/Rents

Farm Personal Property (Cov. E & F) - Scheduled (E) and Unscheduled (F) Farm Equipment, Tools, Livestock, Grain, Hay, Feed and Supplies

Outbuildings (Cov. G) - Barns, Shops, Machine Sheds, Garages, Bins, Silos, and Other Farm Structures

Other Coverage Considerations

Farmowners Property Coverage Property Coverage Breakout Discounts AvailableCompanion Policy Discount - Farm and Auto insured together

Non-Farming Discount - No operating farm land, making of hay, or more than head of horses or other livestock

New Home Discount - 13-year-old or newer

Roof Surface Replacement - Credit for roofs 5-years-old and newer

Protective Devices Discount - Burglar Alarms, Fire Alarm, or Automatic Sprinkling System

Metal Roof Discount (Dwelling) - An exclusion for cosmetic damage to metal roof surfaces applies for cosmetic damage caused by hail

Farm Outbuildings (Cov. G)Optional Coverages Available• Replacement Cost - Farm Outbuildings (Includes inflation guard)• Cosmetic Denting - Loss by Hail (Outbuildings)• Solar Panels

Package Endorsements Available ~ See related brochures for details ~

• Farm Plus• Farm Dwelling Plus• Farm “Extra” & “Premier” Endorsement

*Higher limits available

Supporting Policies Available• Farm Umbrella• Personal Auto

• Farm Trucks• Workers’ Comp.