Farm Homeowner – If you own and live on a farm, you will need to purchase a farm/ranch homeowner policy, which should cover your house, personal property, living expenses if your home is damaged, theft of personal and farm property, damage to farm equipment, outbuildings, farm assets, livestock losses, chemical drift, and liability and medical expenses for farm injuries.Some of the different types of farm insurance available include: When it comes to trying to figure out which type of farm insurance works best of your farm, you should always talk to your insurance provider about the specifics of each farm insurance option. Do you have barns or other large outbuildings?ĭo you need livestock insurance? The Different Types of Farm Insurance. Answering “yes” to any of the following questions is a good indicator that you should invest in farm insurance: Since farming can be a dangerous activity, it is important to know if you need farm insurance for your particular farm and how much farm insurance coverage you need. You might think that you do not need farm insurance if your farm is merely a hobby farm and you do not receive any income from it however, not all homeowner’s insurance policies cover farming activities. That is why we have put together some information on farm insurance, from hobby farms to commercial farms, to help you choose the best insurance policy for your farm. At Mountainview Insurance, we know that the better your understanding of farm insurance is, the better choices you will be able to make down the road. When it comes to insuring your farm, understanding your insurance provider’s policies are key to protecting your operation.
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