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FARM DWELLING & PROPERTY ADVANTAGE with Pioneer State Mutual

Farm Dwelling Advantage

Backup of Sewers or Drains

Pioneer will pay up to $5,000 for:

  • Direct loss caused by water that backs up through sewers or drains
  • Water that enters your home because of a failed sump pump

Please Note: a $250 deductible applies

Debris removal for trees, shrubs and other plants

Coverage is increased by $250 for total of $750 per occurrence.

Identity Theft Expense Coverage

Pioneer will pay up to $20,000 for identity theft expenses such as:

  • Costs to provide documents to law enforcement, financial institutions or credit agencies
  • Actual loss of earnings due to time off
  • Reasonable attorney fees
  • Premiums on bonds required as a result of the identity theft
  • Loan application fees for re-applying for any loan

Please Note: a $250 deductible applies

Refrigerated Products

Provides an additional $250 of coverage (in addition to $250 provided by your policy) for charges incurred if your refrigerator breaks down.

Ordinance or Law Coverage

Pioneer will pay up to 10% of Coverage A (the Dwelling Coverage) to:

  • Repair, replace or remodel a covered building damaged or demolished by a peril
  • Remove debris resulting from construction/renovation due to a peril
The Pioneer State Mutual Advantage Endorsements are a bundle of several coverages offering an excellent value at a competitive price.

Farm Property Advantage

Fire Extinguisher Recharge

Coverage is provided for up to $75 per extinguisher / $500 per occurrence.

Rental Reimbursement

If your farm machinery becomes damaged by a peril, and you do not have other equipment to use in the meantime, Pioneer will reimburse up to $2,000 for the rental of substitute farm machinery/mobile equipment from a farm implement dealer while the damaged one is being repaired.

Outdoor Detached Signs

Provides up to $3,000 for each detached sign damaged by a peril.

Please Note: a $250 deductible applies

Lock and Key Replacement

Pioneer will pay up to $1,000 per occurrence to replace door locks and/or tumblers of a covered dwelling and/or farm building due to theft.

Borrowed, Rental or Leased Farm Machinery

Coverage is increased by $100,000 to total of $150,000 in any one loss.

Damage to Property of Others

Coverage is increased by $2,500 for a total of $3,000.

Fire Department Service Charge

Coverage is increased by $500 for total of $1,000.

New Construction of Farm Buildings

Coverage is increased by $125,000 for a total of $150,000 for new permanent barn on an insured location.

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 highlight overall features. Please refer to the policy form for limits automatically included, and to the actual endorsement for specific requirements, coverages and exclusions.

Credits:

Created with images by maksymowicz - "American Countryside" • Tomasz Zajda - "Aged Barrow in the Barn"

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