Flyway Mutual offers insurance for the following lines of insurance:

• Farmowners
• Homeowners
• Dwellings
• Fire
• Renters
• Mobilehomes
• Small Businesses

*Farmowners and Homeowners Policies are “Package Policies”, which means they include property as well as liability.

Homeowner

The Homeowners Policy covers your property against these losses. Protection can be provided under one of the following forms:

Homeowners I – Basic

• Fire or Lightning
• Windstorm or Hail
• Explosion
• Riot or Civil Commotion
• Aircraft
• Vehicles
• Sudden & Accidental Damage from Smoke
• Sinkhole Collapse
• Volcanic Action
• Vandalism & Malicious Mischief (with limitations)
• Glass Breakage (with limitations)
• Theft

Homeowners II – Broad
Includes all of the Basic Perils plus the following:

• Falling Objects
• Weight of Ice, Snow, or Sleet
• Collapse of a Building
• Sudden & Accidental Tearing Apart, Cracking,  Burning or Bulging of Heating System,  A/C or Water Heater
• Accidental Discharge or Overflow of Liquids or Steam
• Freezing of Plumbing, Heating & A/C Systems
• Sudden & Accidental Damage from Artificially Generated Electrical Currents

Homeowners III – Special

• Provides coverage against dwelling losses with certain exclusions
• Household Goods covered against Broad Form Perils
• Replacement Cost Contents Coverage (Opt.)
• Backup of sewer & water (w/ limitations)

Special or Additional Insurance Your Family May Need
All Risks Scheduled Personal Property Insurance (for full appraised value of prized possessions) such as:

• Jewelry
• Furs
• Fine Arts
• Camera Equipment
• Silverware
• Musical Instruments
• Coin or Stamp Collections
• Guns
• Watercraft
• Other Options Available

Other Optional Coverages

• Liability insurance, watercraft
• Liability insurance, recreational vehicles
• Increased limits, money, precious metals, securities and manuscripts

Plus Personal Liability Insurance to cover:

• Claims for Injuries to guests or other persons injured by occurrences at your home.
• Off Premises Injuries to others arising from acts of members of your family, pets, etc., anywhere.
• Claims for Damage to property of others, e.g., trash fire spreading to neighbor’s home.
• Attorney Fees & other defense costs, liable or not until liability limits are exhausted.
• Medical Expenses for injuries to others on or off your premises or from your activities, liable or not.
• Damage to Property of neighbors or others caused by members of your family, liable or not.

Also Covered: use of motorized equipment or recreational motor vehicles on premises; some outboard motorboats.

Farmowners

A Package Policy For Owners And Tenant
Dwelling, Household Goods & Additional Living Expense

Basic Form Perils

• Fire or Lightning
• Windstorm or Hail
• Explosion
• Riot or Civil Commotion
• Aircraft
• Vehicles
• Sudden & Accidental Damage from Smoke
• Vandalism & Malicious Mischief

Broad Form Perils
Includes all of the Basic Perils plus the following:

• Falling Objects
• Weight of Ice, Snow, or Sleet
• Collapse
• Sudden & Accidental Tearing Apart, Burning or Bulging of heating System, A/C or Water Heater
• Accidental Discharge or Overflow of Liquids or Steam
• Freezing of Plumbing
• Sudden & Accidental Damage from Artificially Generated Electrical Currents
• Glass Breakage (w/ limitations)
• Theft

Special Form Perils

• Provides coverage against all losses with  certain exclusions
• Household Goods covered against Broad Form Perils only

Farm Outbuildings and Farm Personal Property
Protection provided against the following:

• Fire or Lightning
• Windstorm or Hail
• Explosion
• Riot or Civil Commotion
• Aircraft
• Vehicles
• Smoke
• Vandalism & Malicious Mischief
• Theft
• Collision or Overturn
• Electrocution of Livestock
• Collapse from ice, sleet, & snow

Farm Liability
Providing Personal Liability Insurance to cover:

• Claims for Injuries to guests or other persons injured by occurrences at your farm.
• Off Premises Injuries to others arising from acts of members of your family, pets, etc., anywhere.
• Claims for Damage to property of others, e.g., trash fire spreading to neighbor’s home.
• Attorney Fees & other defense costs, liable or not until liability limits are exhausted.
• Medical Expenses for injuries to others on or off your premises or from our activities, liable or not.
• Damage to Property of neighbors or others caused by members of your family, liable or not.

Special Peril Package
We extend optional coverage to all insured farm premises for:

• Glass Coverage
• Borrowed Farm Machinery, Vehicles, & Equipment
• Farm Operations Records Expenses
• Added Animal Perils
• Farm Extra Expense
• Added Perils for Refrigerated Food Products
• Removal of Hay