Blue Ribbon Farm Program

This is our premier farmowners program. With this comprehensive farmowners package, we cover your residence, personal property, barns and outbuildings, farm personal property, and personal and farm liability.

Some of the program's features include:

• All risk coverage for Coverage A-Residence and Coverage B-Related Private Structures
• Replacement Cost Terms for Coverages A, B and C
• $250 for money, bank notes, bullions, etc.
• $1500 for securities, stamps, etc.
• $1500 for watercraft coverage
• $1500 for trailers
• $2500 for jewelry, watches, and furs for loss by theft
• $2500 for guns for loss by theft
• $2500 for business personal property
• Refrigerated food spoilage - $500 with no deductible
• $1500 for grave markers
• $1500 for credit card, forgery, and counterfeit money
• $1500 for outdoor antennas including satellite dish antennas
• $1500 for loss to well pumps caused by a named peril
• Grain in silage sacks are covered against all direct physical loss
• $1000 for refrigerated milk spoilage
• $2000 for outdoor private power and light equipment

Select-Pak Farm Program

This package-type policy offers several optional plans. You select the protection coverage which best suits your needs.

Some optional coverage that you may wish to include in your policy are:

• Extended watercraft liablity and medical expense coverage
• Horse liability
• Office, school, or studio use coverage
• Additional premises coverage
• Recreational motor vehicle coverage
• Incidental business coverage
• Additional insured coverage
• Lessor of leased equipment coverage
• Farm employees liability coverage
• Custom farm work liability coverage
• Emergency produce removal coverage
• Agricultural machinery and equipment rental reimbursement
• Farm extra expense coverage
• Refrigerated milk spoilage

Country Home

If your gross annual farm income is less than $10,000 and your farm is 360 acres or less, you may be eligible for Hamburg-Starks's Country Home Program.

Some of our program features include:

• Incidental farm liability coverage
• Fire coverage for scheduled farm buildings and equipment
• Fire coverage for scheduled farm buildings and equipment
• Extended coverage (windstorm and hail, explosion, riot and civil commotion, aircraft, vehicles, and smoke) for dwelling and non-farm personal property
• Emergency removal coverage
• Debris removal coverage
• $500 coverage for fire department service charge
• $1000 coverage for credit card, forgery, and counterfeit money
• Limited coverage for tree, plants, shrubs, or lawns
• $1000 for grave markers
• Replacement cost coverage for residence and related private structures