Farmers can't predict weather, machinery problems, or cattle being struck by lightning. We can offer dependable insurance coverage that can work hard for you. We can help you build a policy that fits the needs for your farm or ranch. You will probably need property coverage for buildings, machinery coverage, livestock protection, and farm liability. You wouldn't want the things you've worked so hard for taken away with the wrong coverage.
Coverage is available for the trucks and semis you use on your farm. Coverage is rated for the seasonal use these vehicles are driven.
If you would have a situation where you were found negligent, your farm insurance policy will provide you with the limits of your liability coverage. An umbrella policy would provide additional coverage once you've reached the limit on your farm underlying liability coverage. A farm umbrella policy would need to be purchased separately for additional liability coverage.
A blanket policy within your farm insurance policy is for all the items on your farm you wish to insure, for example all the machinery, grain, livestock, etc. The inventory on the blanket should be kept to at least 80% of the total amount to be insured.
STANDARD FARM INSURANCE
For those hard to place farm buildings and/or premises.
OPTIONAL ENDORSEMENTS AVAILABLE
- Comprehensive Machinery Coverage
- Farm Extra Expense
- GPS System
- Custom Farming
- Irrigation Systems
- Farm Pollution
- Recreational Vehicles
- Equipment Breakdown
- Non-Depreciation of Repairs
- Additional coverage of 25% for the insured house (depending on the company)