Optional Coverage

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Farm Line Products – Optional Coverage

Listed below are some of the optional coverages available for a nominal charge:

  • Additional insured
  • ATV off-premise liability
  • Borrowed/rented farm equipment – 30 day (in addition to automatic $10,000 coverage)
  • Business activities
  • Business property on premises (in addition to automatic $2,500 coverage)
  • Cab glass coverage
  • Computer coverage
  • Disruption of farming operations
  • Earthquake
  • Employers liability for farm equipment
  • Equipment breakdown
  • Farm extra expense/loss of income/rental reimbursement
  • Foreign objects coverage
  • Identity fraud expense
  • Inflation guard
  • Liability coverage for rental and seasonal dwellings
  • Motorized golf carts (property coverage only)
  • Off-premises power failure
  • Peak season coverage
  • Rental dwelling coverage
  • Replacement cost coverage for household personal property
  • Scheduled personal property coverage
  • Special cause of loss for grain stored inside a structure
  • Spoilage for perishable farm personal property
  • Sump overflow and water backup from sewers or drains

We offer a Farmowners Preferred Enhancement Endorsement for qualifying farm dwellings that provides four additional coverages at a nominal charge:

  • Dwelling replacement cost coverage up to 125% of Coverage A
  • Replacement cost on household personal property
  • Lock replacement coverage including garage removes – $500
  • Fences damaged by vehicles – $1,000


Toth-Felty has been providing quality insurance options & advice to Northeast Ohio residents since 1971.  Get to know more about who we are as a company here.