Farm & Ranch Insurance

Farm insurance helps farmers protect their livelihoods and investments by providing financial security and peace of mind in the face of unforeseen events and liabilities.
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What Does Farm & Ranch Insurance Cover?

Farm insurance, also known as agricultural insurance, is a type of insurance policy designed to protect farmers and agricultural businesses from financial losses resulting from various risks and liabilities associated with farming operations. Farm insurance provides coverage for farm property, equipment, livestock, crops, liability claims, and other farm-related risks.

Dwelling & Structure
Farm & ranch insurance protects the farmhouse, barns, silos, storage buildings, and other structures on the farm property against perils such as fire, lightning, windstorm, hail, and vandalism.
Livestock Coverage
Farm insurance provides coverage for the value of livestock, including cattle, horses, poultry, and swine, in case of death, theft, or injury resulting from covered perils. Some policies may also cover veterinary expenses for treating sick or injured animals.
Crop Insurance
Crop insurance protects farmers against losses in crop yields or revenue caused by perils such as adverse weather conditions, natural disasters, pests, or disease outbreaks. It helps farmers manage the financial risks associated with crop production and ensures a stable income.
Farm & Ranch Personal Property
This covers farm equipment, machinery, tools, and supplies used in farming operations, such as tractors, combines, plows, and irrigation systems. It also includes coverage for portable structures like poultry houses or greenhouses.
Liability Coverage
Liability insurance protects farmers against legal liability for bodily injury or property damage to others caused by farm operations. It covers expenses such as medical bills, legal fees, court judgments, and settlements resulting from covered liability claims.
Equipment Breakdown Coverage
Sometimes known as machinery or mechanical breakdown insurance, this coverage protects against the costs of repairing or replacing farm equipment and machinery damaged by mechanical or electrical breakdowns.

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