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INSURANCE AGENCY NETWORK Blog

4 Things You Need To Know About Farm Insurance

10/24/2019

8 Comments

 
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​Working on your own land is a satisfying feeling whether you consider farming as a hobby or occupation. If you own a farm, it is essential that you are knowledgeable about farm insurance. 

The following are 4 important things to help you understand more about farm owners insurance policy:
When Do You Need Farmowners Insurance?
If you want to take farming seriously and make a profit out of it, then you need the right farmowners insurance coverage. A basic policy typically includes liability coverage, property coverage, and more. 

You need to modify this basic farm owners coverage according to the unique needs of your farm. By doing this, you can protect your livelihood. Talk to your insurance agent about the kinds of endorsements that are suitable for your farm, especially if farming becomes your full-time occupation.

Farm Owners Insurance Is Not Predetermined
Many policyholders think that farm insurance policy consists of a large bundle of standard coverage. However, the policies for farm owners insurance come with many different areas. In other words, there is no standard policy. You have your own unique operation on your farm. So, your policy should be designed based on your needs as a farmer. 

Livestock Has Special Farm Coverage
You may need special coverage for your livestock, depending on the kinds of animals your farm has. The two common options are blanket coverage and individual coverage.
  • Blanket Coverage. It is considered unscheduled when you have a blanket policy. This means, a one lump sum amount insures all the property in your farm, for example, structures, equipment, and livestock.
  • Individual Coverage. This coverage option means scheduling your farm animals individually. It is particularly beneficial if there are some higher-valued animals on your farm that you want to cover a specific amount.

Standard Homeowners Insurance Covers Some Farming Operation
If you are one of the many people who treat their small farm or large garden as a hobby and not as a profitable venture, check your standard homeowners insurance policy. it is because a standard homeowners policy covers certain farming activities. But, know that these homeowners policies exclude things such as farm outbuilding and farm equipment. 

Make sure your farm is protected with the right farmowners insurance coverage. Contact your agent for more details.

At Insurance Agency Network, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (425) 681-0996. You can also request a free quote by CLICKING HERE.
8 Comments
Darrien Hansen link
11/5/2019 10:33:59 am

I appreciate that you brought up how you can cover your livestock individually if you have some valuable animals on your farm. My uncle recently inherited 5 large and healthy cows from his friend that he would like to ensure when he starts his farm. I'll let him know that he should consider insuring them individually.

Reply
Zoe Campos link
11/19/2020 06:03:13 am

I'm glad that you mentioned how farm equipment wouldn't be included in a standard home insurance policy. My father owns a small farm next to our house and I'm sure he'd be devastated if anything happens to it. I guess we really have to get it insured just in case of potential losses.

Reply
Taylor Hicken link
1/20/2021 06:09:13 pm

I appreciated it when you shared that it is important to ensure that your insurance can protect your farm comprehensively from any possible risks and threats. My uncle just mentioned the other day that he is thinking of starting a farm since he is about to retire soon and he wants to fill his time doing something that can help him earn more money to continue living. I will suggest to him getting insurance for it so he can ensure that it is really protected.

Reply
Adam Golightly link
2/2/2021 01:19:05 pm

My uncle has been thinking about getting some better insurance for his farm because he wants to be a lot smarter. Making sure that he can get some help from a professional could allow him to have the right protection. It was interesting to learn about how his needs as a farmer should determine what coverage they need, and have the right coverage.

Reply
John Carston link
1/6/2022 02:31:26 pm

I like how you mentioned that having insurance can help you with the basic needs of your farm. My cousin mentioned to me last night that he is planning to have an insurance plan for his farm property to be comfortable and have a secured business and asked me if I have any idea what is the best option to do. Thanks to this informative article and I'll be sure to tell him that he can consult trusted rural insurance brokers as they can answer all his inquiries.

Reply
Vivian Black link
4/4/2022 05:32:41 am

Before I read your information, I did not know the difference between blanket coverage with farm insurance and individual coverage. We do have some animals on our property that carry a value far greater than others, even more than some of our machinery. For this reason, we will opt for individual coverage since we will want to cover specific amounts. This farm has been in our family for generations. I am the fifth generation to continue working it. It means a lot to our family, so insurance coverage is vital to us. We will call for a farm insurance specialist this spring.

Reply
Braden Bills link
1/9/2023 07:15:14 am

I want to make sure that my farm lasts a long time. It makes sense that I would want to get an insurance plan to cover my crops! I can see how being able to be protected from an unexpected blight would really help me be able to keep up with my farm in the long run.

Reply
Amala Mark link
2/26/2023 07:53:16 am

Having insurance for your farm property is indeed an essential move to make. In this way, you can be assured that even unexpected events and occurrences won't be a problem, as you are guaranteed a sort of financial help. My cousin will be relieved to hear about all these options, as having protection for his farm will provide them security and peace of mind.

Reply



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