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Multiguard Farm & Ranch Insurance

from IDEAL Agriculture & Marine Insurance

Enhance your client’s protection by upgrading the package to our broad Multiguard® policy. In addition to first party package protection for:

  • Coverage A – Dwellings
  • Coverage B – Appurtenant Structures
  • Coverage C – Household Personal Property
  • Coverage D – Loss of Use
  • Coverage E – Scheduled Farm Personal Property
  • Coverage F – Unscheduled Farm Personal Property
  • Coverage G – Barns, Outbuildings, and other Farm Structures

And for liability exposures:

  • Coverage H – BI & PD
  • Coverage I – Personal Injury/Advertising Injury
  • Coverage J – Medical Payments
  • Coverage M – Chemical Drift
  • Fire Legal Liability

The Multiguard® program offers many optional coverages and extensions, including:


  • Assisted Living Facilities
  • Disruption of Farming Operations - Covers reduction in net profit/increase in net loss, continuing farm expenses including payroll, expenses incurred in restarting operations.
  • Computer Coverage - Includes mechanical breakdown.
  • Extended Dwelling Replacement Cost - Provides as much as an additional 100% of limit if insufficient to replace after covered loss.
  • Scheduled Farm Machinery Glass
  • Farm Personal Property Spoilage - Extends Coverage E to respond for spoilage caused by mechanical breakdown/contamination by refrigerant, or public power outage.
  • Pollutant Clean Up/Removal, including Transit - Covers to $50,000 in the aggregate, with an optional $100,000 aggregate limit available.
  • Unit Owners Coverage (Condo)
  • Farm Transit - Owned personal property in owned/leased vehicles.
  • Extended Equine Property Coverage - Additional ten risks are covered.
  • Replacement Cost – Tack: Adds replacement cost coverage for tack and related equine equipment.
  • Extended Dairy Property Coverage - Adds a variety of additional coverages specific to dairies including first party milk contamination.
  • Extended Orchard/Vineyard Property Coverage - Adds a variety of additional coverages specific to orchards and vineyards.
  • Special Hay Provisions - Extends Coverage E to include hay in open or stored if insured for maximum value.
  • Peak Season – Farm Personal Property


  • Higher Limits for Chemical Drift – Property Damage
  • Limited Agricultural Chemical Drift – BI & PD
  • Limited Agricultural Pollution - Includes chemical drift, hand spraying, hostile fire, mobile equipment cargo, mobile equipment fuels, paint overspray, set fire and above ground tanks.
  • Incidental Business Activities
  • Additional Insureds
  • Farm Employer’s Liability and Employee Medical Payments
  • Employers Liability Stop Gap - Covers job related injuries not otherwise covered by Workers Compensation.
  • Recreational Vehicles Farm Liability
  • Insured’s Liability – Employed by Others in Non-farm Jobs
  • Custom Farming/Farm Management
  • Limited Aircraft Spraying/Dusting Liability - Liability to persons, domestic animals, growing or harvested crops.
  • Equine CCC Liability
  • Equine Breeders/Trainers/Boarders Liability
  • Equine Riding Instructors Liability
  • Equine Riding Instructors - Additional Insureds
  • Hunting or Fishing Liability
  • Blanket Acreage

Coverage Extensions

  • Excess/Umbrella (separate policy)
  • Automobile coverage – trucks, trailers and private passenger (separate policy).

Want to find out more about your Farm & Ranch Package Insurance options?

Cuyahoga Falls Multiguard Farm & Ranch insurance

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IDEAL Agriculture & Marine Insurance, a product of Wichert Insurance, Inc.

Our locations:

Corporate/Administrative Office
1200 Graham Rd
Cuyahoga Falls, Ohio 44224

Marketing Office
P.O. Box 255
Elkhorn, Wisconsin 53121

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1008 Belcor Drive
Spring Hill, Tennessee 37174
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