Coverage F unscheduled farm personal property is divided into two coverage categories. What are they?

• A. On the insured location and away from the insured location
• B. On the insured location only
• C. Away from the insured location only
• D. In transit to a new farm

Answer: (A)

Coverage F is set up to cover farm personal property based on where the property is located. It’s divided into two categories: items that are on the insured location (the farm or insured property) and items that are away from the insured location (off-site, including in transit or at another location). This distinction matters because the policy provides separate coverage limits for on-site items and off-site items, so property at the farm is covered under one limit and property off the farm under another. For example, tools kept in the barn are covered as on-location property, while a trailer-full of equipment stored at a different site or in transit would fall under the away-from-location category.