Farm Coverage Quiz

Which coverage is responsible for insuring private garages and sheds?

• Coverage D

• Coverage B

• Coverage C

• Coverage A

Answer explanation

Coverage B is responsible for insuring private garages and sheds, as it covers other structures on the property that are not attached to the main dwelling.

What does the term 'covered peril' include according to the policy definitions?

• Flood

• Sudden water discharge

• Intentional acts

• Wear and tear

Answer explanation

The term 'covered peril' includes risks that are specifically listed in the policy. 'Sudden water discharge' is a covered peril, while 'flood', 'intentional acts', and 'wear and tear' are typically excluded.

Which coverage would pay for a neighbor's child injured on a farm tractor?

• Coverage H

• Coverage I

• Coverage J

• Coverage G

Answer explanation

Coverage H provides liability protection for injuries to others on your property, including a neighbor's child injured on a farm tractor. This makes it the correct choice for this situation.

What does the Mobile Agricultural Machinery & Equipment Coverage Form cover?

• Livestock

• Farm buildings

• Farm equipment

• Household personal property

Answer explanation

The Mobile Agricultural Machinery & Equipment Coverage Form specifically covers farm equipment, protecting it against various risks. It does not cover livestock, farm buildings, or household personal property.

What type of property does Coverage C insure?

• Farm buildings

• Household personal property

• Other private structures

• Farm personal property

Answer explanation

Coverage C insures household personal property, which includes items like furniture, clothing, and appliances within a home. This distinguishes it from other options like farm buildings or personal property related to farming.

Which coverage would be used to replace a scheduled combine destroyed by fire?

• Coverage E

• Coverage F

• Coverage G

• Coverage H

Answer explanation

Coverage E is designed to cover the replacement of scheduled equipment, such as a combine, that is destroyed by fire. This makes it the correct choice for this situation.

What is the main focus of Coverage F?

• Scheduled farm personal property

• Household personal property

• Unscheduled farm personal property

• Farm buildings not used for dwelling

Answer explanation

Coverage F primarily focuses on unscheduled farm personal property, which includes items not specifically listed or scheduled in the policy, providing broader protection for various farm-related assets.

What does Coverage A in the Farm Property Coverage Form cover?

• Farm buildings not used for dwelling

• Household personal property

• Scheduled farm personal property

• Farm residence and attached structures

Answer explanation

Coverage A in the Farm Property Coverage Form specifically covers the farm residence and any attached structures, distinguishing it from other types of property like personal belongings or non-dwelling buildings.

What is the purpose of the Farm Liability Coverage Form?

• To cover livestock against death

• To insure mobile agricultural machinery

• To insure farm buildings

• To provide legal liability and medical payments coverage

Answer explanation

The Farm Liability Coverage Form is designed to provide legal liability and medical payments coverage, protecting farmers from claims related to injuries or damages occurring on their property.

Which coverage would be used if a farm's website photo infringes copyright?

• Coverage H

• Coverage G

• Coverage J

• Coverage I

Answer explanation

Coverage I addresses copyright infringement issues, making it the appropriate choice for a farm's website photo that violates copyright laws.