You have big dreams to turn that little ol’ hobby farm of yours into a full-blown cash crop. Or maybe you’ve just inherited the keys to an agricultural kingdom. Either way, before you go buttoning up your overalls, there’s a lot of prep work to be done.
Our independent insurance agents know the ins and outs and will dig deep to round up the right farm insurance. They’ll find top policy options to help protect you, your farm and your harvesting dreams.
Basically, farm insurance is like a combo platter you’d order at your neighborhood bar and grill. It’s got some of this, some of that and you can always add a bit more for an additional charge.
Since farms typically include your family’s home, farm insurance policies were created to protect both your home AND your business. With a whole lotta other exciting add-ons to fill up on, too.
Like snowflakes, no two farms are alike. But no matter what your farm’s got going on, there’s a coverage for it.
The main forms of coverage in any farm insurance policy are:
From there, your independent insurance agent can help tailor a farm insurance policy to your needs with additional protection like:
Then there’s the business side. Unless your farm produces just enough for your family to eat, you’re likely selling for a profit. And as a business owner, you should consider coverages like these:
Simply because you love what you do. And the things you love deserve to be protected. The world changes every single day and whether it’s the driest summer you can remember or an accident, your farm and your future can be ruined in a heartbeat.
Even if you sell one juicy, red strawberry to someone at a roadside stand and they somehow got sick, your farm could face a massive load of medical and legal bills. Without proper liability coverage, that could put a serious dent in your farming fun.
Depends, how much farm ya got? As was mentioned earlier, no two farms are alike. And with a ton of extra endorsements and add-on coverages, it would be impossible to give a number that would even relate to your needs. Talk to one of our insurance agents and once they have the whole picture in front of them, they can get you the quotes you’re looking for.
To get a farm insurance quote, you’ll need to compile info that includes:
Your agent may require more information based on your coverage needs, but it’s definitely a good starting point to help you show up prepared.
Your farm coverage will most likely need to change. And often too. Maybe you had a barn-raising in spring. Or maybe you’ve decided to open up your apple orchards to the public. In that case, you’re definitely gonna need some more liability coverage in case anyone gets hurt.
It’s a good idea to talk to your independent insurance agent every year about what has happened and what you want to happen. They can help make adjustments to your policy to get your coverage right where it needs to be.
Our agents will review your needs and help you evaluate which type of farm insurance makes the most sense for you. They'll also compare policies and quotes from multiple insurance carriers to make sure you have the right protection in place. For you and your family.
Insurance policies can be complex and searching through options can be confusing, time consuming and frustrating. An independent agent's role is to simplify the process.
They’ll make sure you get the right coverage that meets your unique needs. Not only that, they’ll break down all the jargon and explain the nitty gritty bits, so you understand exactly what you're getting.