Summary: Up to this point, the farms discussion has covered the “personal” exposures of the farmer, indicating many similarities to the homeowners program of Insurance Services Office (ISO). Form FP 00 13 01 98 begins the coverage devoted to exclusively farm business property. Coverage E is “scheduled farm personal property.” Coverage F is “unscheduled farm personal property.”

Included in coverage E is any property scheduled on the declarations page. There are 15 types of scheduled property, with many subclasses. When a limit of insurance is shown for coverage F on the farm property declarations, unscheduled farm personal property is insured.

For coverage to be provided under coverage E, a limit of liability must be shown on the declarations page for each class of property covered. If no limit is shown on the schedule for a described kind of property, there is no insurance under coverage E for any property of that kind.

Coverage F is the second portion of form FP 00 13 devoted exclusively to commercial coverage. When a limit of insurance is shown for coverage F on the farm property declarations, unscheduled farm personal property is insured. This coverage includes all farm personal property on the premises and some types while off the premises. Nineteen types of property are identified in this unscheduled, or blanket, category.

Section II of form FP 00 13 contains six extensions that apply to one or both of these coverages.