Farm Insurance

Farms and ranches play a pivotal role in sustaining communities worldwide as the backbone of food production systems. But there are inherent risks and uncertainties accompanying agricultural operations that necessitate insurance coverage to protect these valuable assets. Farmers and ranch owners should understand the importance of farm and ranch insurance.

What Is Farm Insurance?

Farm and ranch insurance, or agricultural insurance, is a specialized type of insurance coverage designed to protect farmers, ranchers and their agricultural operations from various risks and uncertainties. Coverage may help provide financial protection against potential losses or damages to property, livestock, crops and equipment, as well as liability coverage for third-party injuries or property damage that may occur on the farm or ranch premises.

What Does Farm and Ranch Insurance Cover?

Farm and ranch insurance policies typically offer a combination of property insurance, liability insurance and additional optional coverages tailored to meet the specific needs of agricultural operations. Depending on your policy, property insurance may help safeguard physical assets such as farm buildings, machinery, equipment and stored crops against risks such as fire, theft, vandalism or severe weather events. Liability insurance may help cover accidents or injuries to others on the farm or ranch, including liability for farm products and operations.

Farm and ranch insurance may include specialized add-on coverage options such as livestock insurance, crop insurance, business interruption insurance, farm vehicle insurance and even coverage for agritourism activities. These additional coverages help address common risks farmers and ranchers face, ensuring protection for their livelihoods and promoting the sustainability of their operations.

Speak with your agent to learn about all the coverage options available and how they may help protect various aspects of your farming operations.

What Is the Cost of a Policy?

Farm and ranch insurance policy premiums depend on multiple factors such as the following:

• The types of coverages you choose
• Your policy limits and deductibles
• Your claims history
• Your property value
• Your location

Contact The Kimberlee Agency for a quote for farm and ranch insurance today. We are here to discuss your policy options and determine the best coverage.