Farm Insurance
Farm insurance is a hybrid form of coverage meant to protect you both personally and commercially. Sometimes it is also referred to as ranch insurance. Like a standard homeowners policy, farm insurance will cover your home, possessions and personal liability. Beyond that, farm insurance also includes coverage for your business liability exposures, machinery, and livestock.
A Farm Insurance Package Policy Provides Coverage for:
- Personal dwelling
- Farm-related buildings (barns, stables, hay sheds, arenas)
- Farm personal property for farm machinery, tack, equipment, hay and feed.
- Replacement cost is available for buildings and household contents.
- On and off premises operations.
- This includes things such as boarding, breeding, riding instruction, training, racing and horse shows.
Key Coverage Limits & Highlights of Farm Insurance:
- Personal liability is available for owner occupied dwellings
- Basic, broad, and special coverage options are available for all property
- Liability limits range from $300,000 to $1 million
- Commercial general liability coverage applies on and off premises in the U.S, Canada, and U.S. territories
- Limited professional liability coverage for horse trainers, riding instructors, and clinicians
- ATV/golf cart coverage available for equine operations
- Participants coverage for horse shows
- Horse sales coverage
- Care, custody and control coverage
- Disruption of Farming/Loss of Income
- Animal collision
- Excess & Umbrella Liability
Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.