Farm Personal Property Defined
We write a lot of farm business. Our insured had a farm policy that provided coverage for farm personal property. They also have a HO policy that covers personal property. Insured had a shed fire. They exhausted policy limits on the farm policy for farm personal property. They now want to present a claim under the HO policy for the remainder of the farm personal property. The HO policy has an exclusion in it that excludes “farm personal property”.
There isn't a definition for “farm personal property” nor is there a definition for “personal property”. Do you have any information in regard to the definition of “personal property” and “farm personal property”?
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