Summary: The insurance on the dwelling, personal property, appurtenant structures, and additional living expense of the farm program FP 00 12 04 16 is modeled closely on the same coverages contained in ISO's homeowners forms. Those familiar with homeowners will note, for example, the same effort to mark as separate any other structures if they are only lightly connected to the main dwelling. Such differences are noted here. The form has been updated effective April 2016; those changes are discussed.

Topics covered: Lead-In language

Coverage A—dwellings

Coverage B—other private structures appurtenant to dwellings

Coverage C—household personal property

Special limits of insurance under coverage C

Coverage D—loss of use

Section II—trees, shrubs, plants and lawns

Household personal property of insured's

Refrigerated property

Building additions and alterations

Section III-additional coverages

Credit card and electric fund transfer

Water damage

Grave markers and other additional coverages

Section IV-other provisions

Lead-In Language

Farm Property – Farm Dwellings, Appurtenant Structures, and Household Personal Property Coverage Form.

Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

Throughout this Coverage Form, the words “you” and “your” refer to the Named Insured shown in the Declarations. If the Named Insured shown in the Declarations and spouse are members of the same household, the words “you” and “your” also refer to the spouse. The words “we,” “us” and “our” refer to the Company providing this insurance.

Other words and phrases that appear in quotation marks have special meaning. Refer to the Definitions section of the Farm Property – Other Farm Provisions Form – Additional Coverages, Conditions, Definitions.

Analysis

Because this form no longer constitutes the entire policy, it is now referred to as a “coverage form” instead of a “policy.” The drafter's intent to cover a resident spouse as a named insured is also specified.

The Farm Property – Other Farm Provisions Form – Additional Coverages, Conditions, Definitions, FP 00 90 04 16, is where many of an older edition of the form's provisions are consolidated. On the old form they were often repeated. In the current program, they are written once and refer to all coverages.

Coverage A—Dwellings