As a farmer, you know how costly an unexpected event can be. NC Grange Mutual’s farm policies provide the protection you need against many such unexpected events.
Available Plans
Farmowners
The farmowners policy is a package policy providing coverage for your home, personal property, farm machinery, livestock, outbuildings and liability. We offer several different plans with varying levels of protection that cover new or substantially updated farm houses and older but well-maintained farm houses.
Farm Fire (Inland Marine)
For those who only need protection for farm property, equipment, and livestock, a farm fire plan is also available. This plan provides protection from multiple perils for physical damage. In certain circumstances, liability can also be added to the policy.
In addition to broad coverage for farm equipment, specialized policies for poultry houses and hog houses are available that cover loss of use and replacement cost.
With the various plans available, you’re sure to find one that fits your needs!
Additional Coverages
For farmowners, many specialized optional coverages are available. These optional coverages include additional farm premises liability, barns and buildings, custom farming, livestock and farm personal property.
Be sure to ask your agent about available additional coverages.
Cost Savings
It’s important to do what you can to ensure that your policy’s premium is something you can afford and billed in a way that makes it easy to pay without risk of cancellation. Fortunately, NC Grange Mutual is here to help!
There are a few ways to reduce your premium. The most common way to achieve this is by adjusting your policy’s deductible. Your policy’s deductible can be increased to reduce your annual premium or decreased to reduce the amount of out-of-pocket expense in the event of a claim at the cost of a higher annual premium.
In addition to adjusting your deductible, premium credits are offered to those with a qualifying alarm certificate. You can also lower coverage for contents while maintaining replacement cost coverage.
Payment Plans
Paying the annual premium in one lump sum isn’t ideal for everyone. NC Grange Mutual offers several different payment plans so that you can pick the most convenient and affordable option for your unique situation. In addition to the standard annual prepaid method of payment, we offer three-pay and five-pay plans that are billed bi-monthly. Lastly, a twelve-pay option is available which sets up recurring payments directly from your bank account on the same date of each month. With the twelve-pay recurring plan, forgetting to make a payment is no longer a problem!
Some coverages or discounts may not apply depending on the plan. Some exclusions and limitations may apply. Please see an agent near you for assistance in determining your insurance needs and the plans and coverages available to you.