It may be referred to as your farm or ranch, but it is much more. It’s your place to live, your way of life. You’ve put a lot of effort into your farm. It’s a special spot with all of my favorite things and people. Consider how much it would cost to replace or repair your prized possessions, as well as the items you require if they were damaged, destroyed, or stolen.
That’s why your farm insurance policy’s housing coverage is so crucial. To protect both your personal and farming liability exposures, your farm and ranch insurance comprises a mix of homeowners insurance, often known as farm dwelling coverage, and liability coverage.
What is Covered By a Farm Insurance Policy?
Personal property directly related to the farming or ranching operation is also covered by farm and ranch insurance. Agricultural machinery and equipment, animals, and farm supplies such as seed, silage, animal feed, fertilizers, and pesticides are often divided into three groups in this section of the program. Most farm insurance contracts provide consumers the choice of selecting broad coverages from a list of categories or scheduling specific things (these options work similarly to endorsements and floaters). When you meet with your agent and purchase the insurance, you can choose which option is best for you.
What Is Covered By Farm Home Insurance?
Dwelling coverage protects your home and personal belongings from a variety of unexpected events, such as:
- Weight of ice, snow or sleet
- Water damage from plumbing or heating system
- Frozen plumbing
- Power surge to appliances
- Bursting water heater
What Does Farm Insurance Not Cover?
When it comes to insuring your farm, be cautious: there are a few items that you would think are automatically covered by your policy, but aren’t. There are a few nuances involving fencing and fires, for example, that homeowners should bear in mind while considering their coverage.
Are You Ready To Get Farm Insurance?
Please feel free to request a quote online or call (724) 327-2600 to speak with one of our agents.