Diminishing Deductible Coverage
The deductible on policies with a listed deductible of $5,000 or more is reduced by 10% after each claim-free year for up to 5 years.
Employee Dishonesty Coverage
It’s unfortunate, but it doesn’t have to be a danger. This endorsement will pay for direct losses caused by dishonest acts by domestic or farm employees.
Replacement Cost on Farm Office Contents
If your policy includes Personal Property Replacement Cost coverage, this endorsement means your office contents, like computers and office furniture, will be paid at their replacement cost as well.
Farm Outbuilding Specified Additional Coverage
We’ll increase the coverage amount for your farm buildings to 125% of the mutually agreed amount on the structure, if you would be paid replacement cost on that structure if there’s a loss.
Arson, Theft, and Vandalism Reward
We will pay up to $500 for information leading to a conviction after arson fire, theft, or vandalism to property covered by this policy.
Mobile Farm Machinery — Lease Gap Coverage
If you’ve leased farm machinery and it’s a total loss, we’ll pay the difference between what it would cost to repair or replace the machine, and what’s owed.
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
8:00 a.m. - 4:30 p.m. (EST)