Farm Insurance
If you own a farm, choosing an insurance policy that will cover your personal and commercial risks often makes sense. Depending on your particular policy, farm insurance covers the same thing as a home insurance policy, along with your farming operations. To learn more about the specifics of farm insurance and how it could benefit your family, turn to the professionals at The Richardson Agency.
What Is Farm Insurance?
Farm insurance, as the name suggests, covers property related to your farming operations. Three general categories are farm machinery and equipment, farm products, and livestock. Therefore, you can cover your tractor, cows, sheep, and chickens, as well as animal feed, silage, pesticides, and fertilizers.
Although each policy varies, most insurers we'll let you include a broad coverage option or create the schedule of items you want to include in your policy. This allows you to choose the best options for your farm and family. If you need help understanding your options or compiling an inventory of things to cover, speak with one of our knowledgeable farm insurance representatives.
What Does Farm Insurance Usually Include?
You may wonder what happens if you choose broader coverage. This coverage includes the same insurance you receive in many homeowners' policies. That may mean weather-related events, power surges, and falling objects, depending on how it's written.
In this case, detached garages and other structures on the property would also be included. Your policy might also include shrubs, trees, and noncommercial plants grown on the non-farm portion of your property. A certain distance from your home usually determines this.
Of course, your farm insurance can also be written to cover your agri-business ventures, including animal husbandry and crop farming.
Best Farm Insurance Agency
Talk to the knowledgeable agents at The Richardson Agency to answer your farm insurance questions. Visit our office, or click the link below to get a free quote for your property.