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.
Farm Insurance

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
Farm Insurance

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