To live in the country or the city? An age-old debate. For you, the answer is simple: nothing feels as good as the fresh breeze on your face when you are walking around your property. Optimum understands that your needs are different than those of people living in the city.
The Optimum Advantage
The best of both worlds
The Hobby Farm extension is designed to fulfill your needs as a farm owner and as a home owner.
A complete insurance policy
The basic protection offers complete coverage for your house, personal property, farm buildings, machinery, equipment, animals and their food, your income and also liability insurance!
Ask and you shall receive!
You would like to add additional protection to your insurance policy? Nothing easier! With Optimum, you can increase the extent of your coverage by adding protection for loss of use coverage, consequential loss, and even for limited pollution coverage!
Optimum gives you more!
Your insurance policy can also be improved with a special guaranty to cover secondary and personal dwellings, mobile homes and watercraft!
Available levels of protection:
This superior protection provides all-risk coverage on the dwelling building as well as all risk coverage on your personal property.
"All Risks"coverage is our most comprehensive level of coverage and is designed to protect your property from the broadest range of perils.
Note: "All risks" coverage provided by Optimum and the insurance industry is still subject to certain exclusions. Please speak to your insurance broker for more details.
Fire and Extended Coverage
This standard protection provides named perils coverage on the dwelling building and named perils coverage on your personal property.
Fire and Extended Coverage (Secondary)
This standard protection provides named perils coverage on the dwelling building and named perils coverage on personal property.
Comprehensive personal liability coverage up to $2 million
Regardless of the level of protection you choose, your limit for personal liability coverage in event of a loss you are legally liable for can be purchased for up to $2 million!
Ask you independent broker about Optimum’s Hobby Farm insurance!
Find a broker to obtain a quote.