Question 1

Auto Insurance

Accepted Answer

We offer a variety of auto insurance with competitive premiums for all your vehicles (including trailers, campers, & motorhomes). Coverages include:
Liability Coverage - Bodily Injury and Property Damage
Medical Payments Coverage
Other Than Collision Coverage (Comprehensive)
Collision Coverage
Broad Form Collision Coverage / Parked Car Coverage
Uninsured and Underinsured Motorists Coverage
Uninsured Motorists Property Damage Coverage
Newly Acquired Vehicle Coverage
Towing and Labor Coverage
Accidental Death Benefit
Loan/Lease Gap Coverage
Repair or Replacement Coverage (Collision Only)
Increased Limits for Excess Sound Reproducing Equipment Coverage
Higher Limits Transportation Expenses Coverage
Tapes, Records, Discs or Other Media Only Coverage
Trip Interruption
Please contact us for more information.

Question 2

Home Insurance

Accepted Answer

We offer the following types of coverage for your home:
Homeowners
Condominium unit-owner’s insurance
Renters insurance
Additional coverages available include
Replacement cost for Dwelling and Personal Property
Earthquake coverage
Liability coverage for a seasonal residence or a residence rented to others
Incidental business exposure in home
Higher limits coverage for back-up of sewer or drains
Waterbed liability (for tenants)
Inland Marine coverage for scheduled items such as jewelry, fine arts, guns and collectibles
Liability & Physical Damage for ATVs, Golf Carts, & Snowmobiles
Please contact us for more information.

Question 3

Farmowner Insurance

Accepted Answer

We offer farm programs that provide outstanding coverage for your farm. Coverages include:
Fire or lightning
Windstorm or hail
Explosion
Riot or civil disorder
Sudden and accidental damage from smoke
Freezing
Theft
Collision
Weight of ice, snow or sleet
Milk contamination
Falling objects
Vandalism and malicious mischief
Sudden and accidental tearing apart, cracking, burning or bulging
Accidental discharge or overflow of liquids or steam
Sudden and accidental damage from artificially generated electrical currents
Sudden and accidental pollution
Borrowed, rented, or leased farm equipment
Additional coverages available include:
Replacement Plus for your contents
Inland marine coverage for scheduled items such as jewelry, fine art, furs, guns and collectibles
Special form coverage on barns and outbuildings
Replacement cost for farm barns, buildings, and structures
Loss of farm income
Employment Practices Liability
Equipment breakdown for residence, personal property, barns, buildings and structures
Peak season inventory - farm personal property
Intake of foreign objects into farm machinery
$5,000 Identity fraud expense coverage (may be increased)
$1,000 extra expense coverage (may be increased)
$2,000 self-propelled farm machinery rental expense
Liability & Physical Damage for ATVs, Golf Carts, & Snowmobiles
Please contact us for more information.

Question 4

Flood Insurance

Accepted Answer

Homeowners, Farmowners, and Business insurance does NOT cover flood damage! Learn more about flood insurance by clicking on this link to the National Flood Insurance Program. Please contact us for more information .

Question 5

Business Insurance

Accepted Answer

We offer the following Business Insurance options that can be tailored to protect your business assets:
Commercial Property Insurance
Commercial General Liability
Business Owners Policy (BOP)
Inland Marine Insurance
Commercial Auto Insurance
Commercial Umbrella Insurance
Crime Insurance
Please contact us for more information.

Question 6

Umbrella Liability Insurance

Accepted Answer

With an umbrella liability policy we can provide you with protection against catastrophic liability claims. An umbrella policy acts as excess coverage over your primary liability policies (i.e. home, auto, farm, business). Its limits apply in addition to the liability coverage provided by the underlying policies. An umbrella policy is used in one of three ways:
To provide additional limits of protection over the coverage listed in the schedule of underlying insurance
To act as primary coverage if your underlying limits are exhausted
To provide broader coverage for some risks excluded by your primary liability policies. This is usually subject to the self-insured retention listed on the policy.
Please contact us for more information.

Question 7

Boat Insurance

Accepted Answer

We offer coverage for boats that are used for personal pleasure up to 40 feet in length and $100,000 value. Coverages include:
Property, Liability, and Uninsured Boaters and Underinsured Boaters coverage for all covered boats
Replacement Cost Coverage for partial losses to boats less than 11 years of age and insured to at least 80% of full replacement cost
Split deductible options available on Boats, Motors and Additional Property Damage
Lay-up Period may be waived
Increased Emergency Service Coverage is available ($50 included) up to $5,000
Increased Miscellaneous Equipment Coverage ($1,500 included). Coverage may also be purchased for fishing and water sports equipment
Coverage for non-owned boats, other than substitute boats, up to $10,000
Medical Payments Coverage—includes water skiing, knee boarding, & tubing
Please contact us for more information.

FERRELL INSURANCE AGENCY

Call us: 419.274.4785

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