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Farmate Polices

Farmate policies are designed for homes and farms in rural settings. All farmate policies are able to be customized to cover big and small operations including:

Dwelling

the physical structure of the house which can be insured for replacement cost or actual cash value

Household Personal Property

all your “stuff” that occupies the dwelling such as furniture, clothes, dishes, wall decorations, etc. Personal Property can be insured for replacement cost or actual cash value.

Additional Living Expense

provides financial assistance when a covered loss makes you incur additional living expenses such as hotel room rental & additional food expenses when you are unable to live in your home until acceptable repairs are made.

Farm Service Buildings

All the other outbuildings you own. These can be insured for actual cash value or replacement cost.

Scheduled Farm Personal Property

You can choose to list only certain pieces of machinery/ equipment that you want to insure.

Blanket Farm Personal Property

All your machinery, equipment, livestock & grain can be insured under one lump sum.

There are numerous additional coverages that can be added to your policy if needed such as:

Additional Operating Expense
Comprehensive Machinery Coverage
Farm/Household Operations Records
Fire Department Charges
Glass Breakage – Farm Machinery
Leased or Rented Farm Buildings
Loss of Income
Peak Season

Pollution Clean-Up and Removal
Suffocation of Livestock
Water Backup of Sewer and Drains (up to $15,000)
Inland Marine for Personal Property (jewelry, guns, computers) when all risk coverage is desired
Equipment Breakdown covers the mechanical features of your home (water heater, furnace, A/C etc.) when they are damaged due to mechanical failure on a sudden or accidental basis.

We also offer the ability to add FarmGuard liability provided by Grinnell Mutual to your Farmate policy and have one policy/one bill.

Homeguard Policies

Homeguard policies are designed for owner occupied homes in town or when no farming exposure is present on the property in a rural setting.

Homeguard policies provide coverage for:

Dwelling

the physical structure of the house which can be insured for replacement cost or actual cash value.

Household Personal Property

all your “stuff” that occupies the dwelling such as furniture, clothes, dishes, wall decorations, etc. Personal Property can be insured for replacement cost or actual cash value.

Additional Living Expense

Refrigerated Food Products

coverage for perishable food products when a covered event occurs that causes them to spoil.

Liability

is included and provided by Grinnell Mutual Reinsurance Company.

Additional optional coverages can be added to your policy to customize as you need it such as:

Inland Marine

covers special items of personal property (jewelry, cell phones, computers, etc.) on an all-risk basis except for exclusions as provided by the policy provisions.

Equipment Breakdown

covers the mechanical features of your home (water heater, furnace, A/C etc.) when they are damaged due to mechanical failure on a sudden or accidental basis.

Water Backup of Sewer or Drain

offers coverage for the cleanup and damages that result when your drain system backs up into your home. We offer $5,000, $10,000, or $15,000 coverage limits

Rented Dwellings or Cabins

We offer a rented dwelling policy for non-owner occupied rental properties. We also offer a dwelling policy for cabins that may only be used for part of the year.

Church, School or Community Property

We also offer property insurance for churches, schools or community property (such as community event buildings, park shelters or cemetery storage buildings).

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JCM Mutual Insurance Association
50 S. 4th St.
Fairfield, IA 52556
(641) 472-2136