Farm House Insurance Overview

​Like any other kind of home, you'll need home insurance if you live in a farmhouse. Just be aware that it won't cover the entire property; insurance may cover the property you reside in.

You'll need business insurance covering items like your vehicles, equipment, and buildings for your working farm. Companies can offer farm and home insurance under one policy, but you must ensure sufficient coverage.

Farm Insurance Coverage
Farm insurance also covers personal property directly tied to the farming or ranching operation. Most farm insurance policies allow policyholders to schedule specific items or select general coverages from a list of categories. 

Farm machinery and equipment, livestock, and farm products can usually be divided into three groups to organize this coverage better. We've outlined the coverages under a farm insurance policy section so you can decide what coverage to choose.

1. Farm Machinery And Equipment Coverage
   The policyholder is shielded from monetary loss to their machinery and equipment due to covered dangers by this coverage. Nearly everything that fits in this area that you might imagine is included. Despite their durability, a lot can happen to them. The owner needs farm insurance to safeguard themselves financially against the loss of such an expensive piece of equipment.
   
   
2. Livestock Coverage
   Most farm insurance policies provide extensive coverage for livestock if they are lost or harmed due to a covered danger. Additionally, some expansions cover a broader range of dangers that may occur to agricultural animals. Some of the most comprehensive insurance covers events like an animal's gunshot death or car accident. 
   
   They may also cover losses from floods, earthquakes, and dog and wild animal attacks on livestock.
   
   
3. Farm Products Coverage
   Farm insurance provides coverage for products like feed, grain, and seeds classified as farm goods. Keep in mind that certain items are only covered while being stored. A seed has been sown, and any feed, grains, or other crops growing on the site is not protected. If the sale earnings surpass the incidental income cap of your policy, those would normally need a business insurance policy.

Conclusion
Even with precautions in place, accidents can still happen. When it comes to farm insurance, use caution. There are a few things that you might assume would be covered by your policy but are probably not.

At Black And Associates Insurance, Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (509) 464-0058. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!