Additional Operating Expense
This coverage is increased an additional $1,000.
Broadened Farm Personal
We can also cover farm property that’s being purchased under an installment plan, or that’s leased or rented to someone covered by your Farmowners policy.
We’ll pay up to $1,000 of the cost to remove trash and other material after a loss. No deductible will apply.
Emergency Hay Removal
We’ll cover the cost if you suddenly need to move your hay from inside a building, if it prevents spontaneous combustion. The limit is $500.
Landslide and Collapse due to Subsurface Water
With this coverage, we’ll pay for loss to a home, outbuilding or personal property related to a landslide, or from underground water that causes building collapse.
We’ll pay up to $250 to replace your door locks, if the keys are stolen. No deductible will apply.
Mortgage Expense Coverage
If your house is a total loss, we’ll reimburse you for some of the costs of replacing your property, including fees and additional mortgage interest.
If you’re facing a lawsuit for personal injury in specific situations, this coverage may help.
Refrigerated Products on Premises
A refrigerator or freezer that stops working can harm your farm or personal property, and your business. We’ll pay up to $500 for a loss or damage on your property.
Tree Debris Removal
If a storm knocks down your trees, shrubs, or plants, this coverage will pay to have the debris removed from your property. This endorsement increases your coverage by $250, for a total of $500.
Back Up of Sewers or Drains
If water backs up through a drain or your sump pump overflows, we’ll pay up to $10,000 on a loss resulting from water damage.
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
8:00 a.m. - 4:30 p.m. (EST)