TOWN AND COUNTRY INSURANCE

PROTECTOR POLICY

The Town & Country Protector is more than a homeowner or farmowner policy. Whether you own or rent, live in town or on a farm, the "Protector" lives up to its name. Providing the broad coverages you need and the flexibility you want, the Protector has been designed by Farm Bureau for Missourians like you.

Coverage available for: Dwellings . Rental Property . Mobile Homes . Contents . Vacation Homes . Liability . Condominiums

DWELLING COVERAGE - Your dwelling may be protected from damages caused by basic perils, broad form perils, or all accidental direct loss (subject to certain exclusions). It may also be covered on a replacement cost or actual cash value basis. A program can be tailored for your particular situation.

PERSONAL PROPERTY - Protection for your personal property is automatically covered for 50% of your dwelling amount (on certain programs this automatic coverage is increased to 75%). This property may be protected from damages caused by basic perils, broad form perils, or all accidental direct loss (subject to certain exclusions). Your program can be endorsed to cover contents for replacement cost.

OTHER STRUCTURES - Coverage may be added to your program to protect other structures on your property (garages, storage sheds, shops, etc.). You pay only for those coverages you select.

EXTRA EXPENSE - In the event your dwelling is damaged by a covered peril, and is uninhabitable as a result, you will be covered for any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living

LIABILITY - This coverage protects you against damages arising from an accident that results in bodily injury or property damage to others, for which you are held liable. This coverage also includes court costs and the cost of defending yourself for covered claims.

MEDICAL PAYMENTS TO OTHERS - Payments for medical, surgical, dental services, ambulance, and hospital expenses are made to those injured on your property as a result of an accident.

Many optional coverages are also available. Contact your agent for specific details.

The statements of coverage are subject to certain exclusions and conditions. Only the policy form contains the actual insurance contract.