Summary: The Insurance Services Office (ISO) has revised the farm program. In the prior program, the causes of loss were contained in the farm property coverage form. Since that form has been restructured into five separate forms, the causes of loss are now found in the causes of loss form—farm property, FP 10 60 01 98.

The particular level of coverage is triggered for each item by showing “basic,” “broad,” or “special” in the “covered causes of loss” column on the “coverages provided” or schedule section of the farm property declarations. The insured may elect any of the three levels of coverage for each item of coverage, except that the special coverage may not be used for livestock, other animals, poultry, bees, fish, or worms.

Following is a discussion of the form.