Lancaster Agency, Inc.

Sutton Agency

136 E. Main Street  | Manchester, MI 48158

© 2018 Sutton Agency.  All rights reserved.

FARM

INSURANCE

No matter what kind of operation your are running, we offer a comprehensive farm-ownwers package that will cover your residence, personal property, barns & outbuildings, farm personal property, and personal & farm liability.

Liability Coverages Include

  • $25,000 Basic Liability

  • Unlimited Horsepower-Outboard Motors

  • Snowmobile – Off Premises (Excluding Ohio)

  • $500 Per Person Medical

  • $3,000 Damage to Property of Others

  • $25,000 Sudden and Accidental Pollution

Property Coverages

  • Named or Special Perils – Dwelling

  • Named or Special Perils – Personal Property

  • 10,000 Pollutant Clean-Up – On Premises

  • Standing Grain – Fire and Lightning

  • $50,000 for Newly Constructed Outbuildings

  • Private Power and Light Pole Coverage

  • $100,000 Limit for New, Leased, or Borrowed Farm Machinery

  • $1,000 Coverage for Credit Card or ATM Card

  • $500 Fire Department Service Fee

  • $1,000 Watercraft

  • $2,000 Coverage for Theft of Firearms

  • $2,500 Coverage for Farm Records

  • $250 Money

  • $1,000 for Stamp Collections

  • Cab Glass – No Deductible

  • $2,500 for Business Property – On Premises

  • $250 for Business Property – Off Premises

  • $2,500 for Theft of Jewelry

  • $2,500 for Theft of Silverware

  • $250 for Refrigerated Food

  • Debris Removal

  • $250 for Fallen Tree Debris Removal – No Deductible

  • $1,500 for Cemetery Markers

Optional Coverages Available

  • Coverage Plus Endorsement – Includes:

  • $2,500 Sewer Back Up

  • $300 Tree Debris Removal

  • $500 Refrigerated Foods or Farm Personal Property

  • Emergency Removal of Hay

  • Waterbed Discharge

  • Personal Injury Liability

  • Residence Specified Additional Coverage

  • Replacement Cost of Outbuildings

  • Waiver of Residence Glass Deductible

  • Peak Season

  • Ordinance or Law Coverage

  • Recreational Motor Vehicles(Off Road)

  • Watercraft

  • Personal Computers

  • Earthquake

  • Business Pursuits

  • Replacement Cost – Personal Property

  • Leisure Sports Endorsement

  • Additional Debris Removal

  • Employers Liability (Excluding Ohio)

  • Off-Premises Electrical Failure

  • Livestock Confinement Coverage

  • Additional Operating Expense

  • Loss of Income

  • Farm Personal – Spoilage

  • Increased Premises Pollutant Cleanup Removal

  • Damage to Crops and Fences

  • Scheduled Personal Property

  • Theft of Building Materials

  • Pollution Increased Limits

  • Custom Farming