Customer
- Farm or ranch owners
- Hobby farmers
Coverage
- Damage to your home, storage buildings, barns, and other outbuildings.
- Damage to the contents of covered buildings.
- Damage to hay, feed, silage, etc.
- Additional living expenses if you cannot live in your home because of covered damage (rent, food, utilities, etc.).
- Damage to farm equipment and machinery.
- Damage to livestock, poultry, and other animals.
Cost Factors
- Age & upkeep of farmhouse & other structures
- Machinery
- Livestock
- Operations
Claim Examples
- Your barn burns down with your farm equipment in it
- Your sheep get attached by the neighbors dogs
- Your tractor is in an accident on the road
- Some of your farm equipment is stolen
Farm and ranch insurance is a hybrid form of coverage meant to protect you both personally and commercially. Like a standard homeowners policy, farm insurance will cover your home, possessions and personal liability. Beyond that, it also includes coverage for your machinery and livestock (though not for your crops).
