Homeowners

Does a standard homeowners policy cover a hobby farm or rural property with outbuildings?

No, not adequately. Standard HO-3 policies are designed for suburban dwellings and cap other structures coverage at 10% of the dwelling limit. They typically exclude or severely limit farm equipment, livestock, and commercial farming activity. A farm owner's policy is the right product for any property used for agricultural purposes -- even on a small or hobby scale -- because it is built around the actual exposures of rural and agricultural property.

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Does a standard homeowners policy cover a hobby farm or rural property with outbuildings?

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