So maybe you have big dreams of turning that 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 find you the right insurance for your farm. They’ll pull together top policy options to help protect you, your farm, and your harvesting dreams.
Basically, farm insurance is a combination of multiple common liability and property protections pooled into one comprehensive package. It’s got some of this, some of that, and you can always add more to it 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 number of other exciting add-ons, too.
No two farms are alike, so thankfully you have the freedom to tailor your coverage to your needs. And 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 probably selling for a profit. And as a business owner, you should consider coverages like:
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 unexpected accident, your farm and your future can be ruined in a heartbeat.
Even if you sell just one juicy, red strawberry to someone at a roadside stand and they somehow get 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 on how much farm you have. 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 independent insurance agents. 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 like:
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. Maybe you had a barn-raising in spring. Or maybe you’ve expanded your farming operation to new locations. In that case, you’ll probably need to adjust your policy to protect yourself.
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 farm insurance policy makes the most sense. They'll also compare policies and quotes from multiple insurance companies to make sure you have the best protection out there. They'll hook you up — in a comprehensive and affordable way.
Independent insurance agents have experience in dealing with all kinds of businesses and insurance policies. They excel at matching the most appropriate policy to the business in need. Shopping around for insurance policies can be tricky, confusing, and time-consuming, and an independent insurance agent's role is to simplify the process.
They’re also there to help make sure you get the absolute best deal, and the one that meets your unique needs. They shop and compare insurance quotes for you, and they'll break down all the jargon so that you understand exactly what you're getting.