Farmers Mutual Insurance of Nebraska
Farmers Mutual of NE
501 South 13th Street
Lincoln, NE 68508
402-434-8300


Farmers Mutual was issued a secure rating by the A.M. Best Company, click for additional details
Version 1.5.10 - 07/11/2014

Other

Farmers Mutual's policies are only available in Nebraska and South Dakota. Our policies are marketed through and serviced by independent insurance agents. These agents are business people who live in your community and are able to sit down with you and discuss an insurance program that is best suited for your needs.

Other insurance programs offered:
Dwelling Property
Dwelling Owners
Personal Liability Protection
Recreational Vehicle

Dwelling Property
This is a non-package policy designed primarily to provide coverage on the non-owner occupied dwelling and its contents.

Three coverage forms are available:
DP-1 Basic Form
DP-2 Broad Form
DP-3 Special Form
Dwelling Owners
This program is designed for the (non-farm) homeowner whose dwelling does not qualify for the broad coverage provided by our Homeowners policies. Dwellings eligible for this program include those in need of minor, ordinary maintenance repairs and/or those where the market value is considerably less than the cost to replace the dwelling with new materials.

Section I provides coverage for the following items:
BulletDwelling
BulletOther Structures
BulletPersonal Property
BulletLoss of Use
Two coverage forms are available:
Dwelling Owners 1 Basic Form
Dwelling Owners 2 Broad Form
Many optional coverages are available and can be added by endorsement. These include but are not limited to:
BulletReplacement Cost Coverage on Household and Personal Effects
BulletIncreased limits for Money, Jewelry, Silverware, Guns and Business Property
BulletScheduled Property similar to those offered by the Homeowners
Premiums credits are available for:
BulletSmoke Alarms, Fire Extinguishers and Dead Bolt Locks
BulletHigher deductibles are available. The higher the deductible the lower the premium.

Section II provides the following coverages:


Coverage L - Personal Liability

This pays the insured's legal liability for damages to others because of bodily injury or property damage arising out of the ownership or operation of the insured premises, or from the insured person's personal activities. This also pays the cost to defend the insured for liability covered by the policy until we have paid an amount equal to the limit of liability of the policy.

Coverage M - Medical Payments to Others

This pays (without regard to legal liability) for necessary medical services for each person not residing on the insured premises who is injured in an accident while on the insured premises with permission, or while elsewhere if the injury arose out of the insured premises or was caused by the activities of an insured.

Additional Coverages
BulletClaim Expense
BulletFirst Aid Expense
BulletDamage to Property of Others
This pays for unintentional damage to property owned by others caused by an insured, subject to the exclusions in the policy.
Optional Coverages
BulletWatercraft Liability
BulletAdditional Premises Rented to Others
BulletIncidental Office, Professional, Private School, Child Care or Studio Use
BulletSeasonal or Additional Residence Premises
BulletWaterbed Liability
BulletBusiness Pursuits (not a business owned or financially controlled by the insured)
BulletPersonal Injury Liability

Personal Liability Protection Policy
This policy provides comprehensive personal liability protection. This is the same coverage provided in Section II of the Homeowners and Dwelling Owners package policy.

This policy provides the following coverages:

Coverage L - Personal Liability

This pays the insured's legal liability for damages to others because of bodily injury or property damage arising out of the ownership or use of an insured premises or from the insured person's personal activities. This also pays the cost to defend the insured for liability covered by the policy until we have paid an amount equal to the limit of liability of the policy.

Coverage M - Medical Payments to Others

This pays (without regard to legal liability) for necessary medical services for each person not residing on the insured premises who is injured in an accident while on the insured premises with permission, or while elsewhere if the injury arose out of the insured premises or was caused by the activities of an insured.

Coverage N - Damage to Property of Others

This pays for unintentional damage to property owned by others caused by an insured, subject to the exclusions in the policy.

Optional Liability Coverages
BulletAdditional Residence Premises
BulletAdditional Non-Farm Premises Rented to Others
BulletIncidental Office, Professional, Private School, Child Care or Studio Use
BulletBusiness Pursuits (not a business owned or financially controlled by the insured)
BulletWatercraft Liability

Recreational Vehicle Policy
Our Recreational Vehicle Policy is used to provide coverage for land motor vehicles that are designed for use off public highways and used principally for leisure time activities or agricultural purposes.

Types of recreational vehicles eligible:
All Terrain Vehicle
Golf Cart
Dune Buggy
Minibike
Trail Bike
Snowmobile
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