INSURING YOUR FARM Farmowners Insurance with Pioneer State Mutual

Comprehensive plans for many types of farms, including:

  • Livestock Farms (Dairy, Hog, Sheep, Beef & more)
  • Hobby Farms
  • Crop Farms
  • Orchards
  • Vineyards
  • Community Supported Agriculture

Farm Home and Property coverage includes:

  • Debris removal
  • Trees, shrubs and plants
  • Credit card protection
  • Refrigerated products
  • Farm machinery glass breakage
  • Farm records coverage
  • Owners cargo coverage

Additional coverage options also found in the Homeowners program:

  • Scheduled Personal Property (jewelry, fine arts, & firearms)
  • Personal Property Replacement
  • Recreational vehicles
  • Non-farm structures

Automatic Farm Equipment Breakdown coverage for:

  • Physical damage sustained by covered equipment
  • Business interruption due to equipment breakdown
  • Lost value of spoilage due to equipment breakdown
  • Mechanical breakdown
  • Shorted electrical circuits
  • Overheating, cracking or bulging of a boiler or other pressure vessel
  • Centrifugal force
  • Ammonia contamination due to equipment breakdown

Liability insurance coverage in cases of:

  • Farm Products Liability (i.e. milk contamination)
  • Damage by overspray
  • Limited sudden and accidental pollution
  • Incidental custom farming
Your deductible is the amount you will take responsibility for in the event that a loss occurs, before your insurance begins to pay. Your agent can help determine what deductible to select.

Note: Your deductible is not paid out of pocket, but deducted from the total amount paid for a claim.

Fitting your budget

Pioneer understands the need for affordable coverage options. Here are some discounts for which you may qualify:

  • Multiple Policy
  • Mature Farm Owner
  • New Home

Individual Risk Premium Modification Plans:

  1. Management and Safety Practices
  2. Financial Conditions
  3. Physical Conditions
  4. Loss History

Our Farm Legacy:

In the early 1900s severe storms passed through Michigan, and farmers feared the weather would ravage their livelihoods. Michigan businessman George Whitaker grew tired of seeing countless neighbors’ farms go up in smoke from these sudden strikes of lightning. However, he knew many couldn’t afford the expensive fire insurance. So, he devised a revolutionary idea.

Whitaker designed a plan to sell lightning rods and insurance. Farm owners who purchased a lightning rod would receive an insurance discount, thus keeping them safe and secure in case of a loss.

He recruited local businessmen for the venture, and in 1908 the “Farmer’s Mutual Lightning Protected Fire Insurance Company of Michigan, Ltd.” was born.

Our businesses and coverage lines expanded through the years, sending us on a journey of growth and expansion which eventually led us to change our name to “Pioneer State Mutual Insurance Company.”

Throughout our history and continuing today, Pioneer State Mutual has been committed to our farming neighbors. We understand the need for trustworthy, comprehensive coverage. That’s why, just like our founders, we continue to offer both discounts for safe practices and reliable coverage to insure your farms and families.

Fitting your needs

Pioneer offers various options and increased coverage limits for every aspect of your farm.

  • Farm Umbrella, Auto, and/or Workers’ Comp
  • Replacement Cost for Farm Buildings
  • Loss of Income
  • Rock Coverage
  • “Mix & Match” Deductibles
  • Farm Cyber Coverage
  • Bailor/Bailee Property Coverage
  • Own Milk Contamination
  • Suffocation Own Animals
  • Non-Owned Cargo Coverage/Trip Transit

Farm Outdoor Advantage

  1. Theft of Firearms
  2. Wildlife Food Plots
  3. Outdoor Equipment
  4. Watercraft

Farm Dwelling Advantage

  1. Backup of Sewers or Drains
  2. Fire Department Service Charge
  3. Identity Theft Expense Coverage
  4. Ordinance or Law
  5. Refrigerated Products

Farm Property Advantage

  1. Fire Extinguisher Recharge
  2. Rental Reimbursement for Farm Machinery/Mobile Equipment
  3. Outdoor Sign Coverage
  4. Lock and Key Replacement Coverage
Check out our mobile app! With it you can pay your bill, report a claim, call for Roadside Assistance, and even access your Proof of Insurance!

Check out our Mobile App!

This brochure is intended to be a broad summary of the insurance coverages provided by a Farmowners policy. The information here is subject to policy terms and exclusions, and does not replace your policy language. Read your full policy carefully and ask your Independent Insurance Agent if you have specific questions.