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Wayne Mutual's Farmowners Programs provide property and liability coverage for owner-occupants of an operating farm, tenants who occupy the farm residence and are engaged in farming, those not engaged in full-time farming but having farm-type structures and minimal livestock and equipment, or those who lease their land to other farmers.  A wide range of coverage options are available, including a Commercial Auto Program to cover all types of farm trucks, including tractor-trailers used for hauling crops.  Consult your local agent to find out how a farm program can be structured to suit your individual needs.

Wayne Mutual's farmowner programs offer protection for the following:


Covers damage to your dwelling, household property, outbuildings, farm personal property (grain and hay, farm products, poultry, livestock and machinery) and other farm structures (silos, fences, corrals, pens, chutes, feed racks, building materials)

  • Basic causes of loss - fire, lightning, theft, vandalism, windstorm or hail, explosion, aircraft, vehicles, smoke, earthquake and flood loss to livestock

  • Broad causes of loss - electrocution of livestock, attacks on livestock by dogs or wild animals, accidental shooting of livestock, drowning of livestock, loading/unloading accidents, glass breakage, falling objects, weight of ice/snow/sleet, sudden and accidental tearing apart, accidental discharge or leakage of water or steam, freezing of plumbing, heating, air conditioning or automatic fire protection system or household appliance, and sudden and accidental damage from artificially-generated electrical current

  • Special causes of loss - coverage against risks of direct physical loss to eligible property (subject to certain exclusions and conditions)


Covers bodily injuries and property damage to others

  • Personal liability

  • Medical payments to others

  • Personal injury

  • Advertising injury

Optional coverages:


  • Lock replacement

  • Backup of sewer and drains

  • Inflation protection

  • Borrowed farm equipment

  • Extra expense coverage

  • Earthquake coverage

  • Other private structures

  • Unoccupancy and vacancy permit

  • Increased limit of insurance

  • Credit card, fund transfer card, forgery and counterfeit money

  • Home business coverage

  • Personal property (jewelry, watches, furs, money, securities, silverware/goldware, firearms, cameras, musical instruments, tools, lawn and garden equipment, collectibles and antiques)

  • Increased limits for loss of contents of a freezer or refrigerated unit

  • Personal property replacement cost

  • Theft coverage for rental to others

  • Special computer coverage

  • Special household personal property coverage

  • Increased special limits on business property

  • Extra expense (expenses to continue normal farming operations after a covered loss)

  • Farm machinery glass

  • Private power and light poles

  • Farm personal property

  • Foreign objects in machinery

  • Pollution clean-up and removal

  • Debris removal

  • Cost of restoring farm records

  • Livestock coverage

  • Livestock/poultry power interruption

  • Grain under government loan

  • Spoilage coverage (perishable farm personal property)

  • Functional building valuation

  • Sound receiving equipment

  • Vacancy permit


  • Multi-family dwelling

  • Additional insureds

  • Resident of the insured's household

  • Executor, administrator, trustees or beneficiaries

  • Additional premises

  • Watercraft (see our Boatowners page)

  • Insured's liability while employed by others in non-farm jobs

  • Custom farming

  • Pollution liability

  • Lead liability

  • Incidental horse boarding for non-owned horses


  • Auto/farm discount

  • Fire protection (based on nearest hydrant and responding fire department)

  • Lightning rods

  • Fire/burglary alarm protection

  • New home credit (for dwellings built in the last 15 years)

  • Construction credit (masonry, non-combustible or fire-resistant construction)

  • Builder's risk (for homes under construction)

The coverages described above are presented in general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact your Wayne Mutual agent. If there is a conflict between this website and the policy, the policy provisions shall prevail.



Send comments to the webmaster updated:08/30/12

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