The Western Reserve Group offers a comprehensive and competitively priced portfolio of personal, farm, and commercial insurance products. The products are backed by experienced employees dedicated to providing the best possible products and service to agents and policyholders.

Optional Coverage

Listed below are some of the optional coverages available for a nominal charge:

  • Additional insured
  • ATV off-premise liability
  • Borrowed/rented farm equipment – 30 day (in addition to automatic $10,000 coverage)
  • Business activities
  • Business property on premises (in addition to automatic $2,500 coverage)
  • Cab glass coverage
  • Computer coverage, including GPS & related equipment
  • Disruption of farming operations
  • Earthquake
  • Employers liability for farm equipment
  • Equipment breakdown
  • Farm extra expense/loss of income/rental reimbursement
  • Farmowners Cyber and Drone Coverage
  • Foreign objects coverage
  • Inflation guard
  • Liability coverage for rental and seasonal dwellings
  • Livestock Care, Custody and Control
  • Motorized golf carts
  • Off-premises power failure
  • Peak season coverage
  • Personal Cyber and Identity Fraud Coverage
  • Rental dwelling coverage
  • Replacement cost coverage for household personal property
  • Scheduled personal property coverage
  • Special cause of loss for grain stored inside a structure
  • Spoilage for perishable farm personal property
  • Sump overflow and water backup from sewers or drains

Other Farm Programs


Farm Umbrella – We offer a Farm Umbrella designed specifically for a farmer. This product is designed to insure both the personal exposures that are typical to a homeowner and the commercial exposures from the farming operations.