COVERAGE H–

Provides coverage of $2,000 or $5,000 for necessary medical expenses of others required as a result of your actions, under certain conditions, even when you are not liable!

ADDITIONAL COVERAGESThis special plan provides additional coverages with various limits.

• Ordinance Or Law

• Fungi, Mold, Or Bacteria• Damage To Property Of Others pays for

damage caused by you, under certaincircumstances, even when you are not liable!

• Debris Removal

• Reasonable Repairs

• Trees, Shrubs, Etc.

• Property Removed

• Loss Assessment

• Claim Expenses

• Fire Department Charges

• Credit Card, Forgery, Etc.

• Collapse

• Back Up Of Sewers

• Refrigerated Food Products

Medical Payments to OthersOPTIONAL ENDORSEMENTS• Scheduled Personal Property• Watercraft and Recreational Vehicle Liability and

Physical Damage

• Extended Replacement Cost is available on certainproducts

• Enhanced Personal Property is available on certainproducts

• Hartford, CT 06183

Property & Casualty Company

FARM & RANCH POLICY

Serving The People Since 1908

This brochure is designed to provide a summary and explanation of coverage provided by the Ponderosa and Ponderosa Plus Policy. It does not include all of the features, exclusions, limitations or conditions.

UHPC-PPF&R (Rev. 05-2019)

CORPORATE HEADQUARTERS

P. O. Box 5555707 E. United Heritage Ct., Meridian, ID 83680-5555

800-877-8862 | unitedheritagepc.com

COVERAGE A–

Provides protection on a REPLACEMENT COST basis for DIRECT PHYSICAL LOSS to your dwelling. A few perils such as earthquake and flood ARE NOT COVERED.

COVERAGE B–

Provides an additional amount of insurance equal to 10% of Coverage A for unattached private garages not used for business or farming.

COVERAGE C–

Provides protection for loss of PERSONAL PROPERTY from your home or under most circumstances, anywhere in the world. An amount equal to 70% of Coverage A is included at no extra charge and you may choose more. There are limits on some categories such as jewelry, guns, etc.

COVERAGE C provides payment on a REPLACEMENT COST basis, for damage caused by any of 17 perils.

COVERAGE D–

Provides additional LIVING EXPENSES or FAIR RENTAL VALUE for the time required to repair or replace your home after a loss is covered by your policy. An additional amount up to 20% of Coverage A is included.

Dwelling

Unscheduled Farm Personal Property

Additional Dwellings, Farm Structures & FencesAppurtenant Private Garage

Personal Property

PERILS INSURED AGAINST (COVERAGE C)1. Fire and Lightning2. Windstorm Or Hail3. Explosion4. Riot Or Civil Commotion5. Aircraft6. Vehicles7. Smoke8. Vandalism Or Malicious Mischief9. Theft10. Damage To Glass Or Safety

Glazing Material

11. Falling Objects12. Weight Of Ice, Snow, Or Sleet13. Accidental Discharge Or Overflow

Of Water Or Steam14. Sudden & Accidental Tearing,

Cracking, Burning, Or Bulging15. Freezing16. Sudden & Accidental Damage

From Artificially-Generated Electrical Current

17. Volcanic Eruption

COVERAGE E–

You may schedule your “Farm Personal Property usual and incidental to the operation of a farm” including Equipment, Tools, Feed, Livestock, etc. You may choose various groups of perils to insure against including Perils 1 through 6, 8, & 9 plus Collision and Overturn, Collapse of Buildings or Bridges and Death of Livestock by animal attack, shooting, electrocution and drowning. If Machinery is included, borrowed equipment is covered for the same perils for a limited amount.

Some exclusions and limitations apply.

COVERAGE F–

You may schedule coverage for ADDITIONAL DWELLINGS, FARM OUTBUILDINGS AND FENCES. You can purchase Basic perils (1-8) or on qualified newer buildings Broad perils are available.

COVERAGE G–

Provides coverage of $100,000 to $1,000,000 per occurrence for claims or law suits for which you are legally liable. Includes Personal Injury. DOES NOT INCLUDE Employer’s Liability.

Farm & Personal Liability

Loss of Use