When does your residence and property move away from a standard homeowners and need the special coverages provided by a farm policy?

Most regular homeowners policies exclude farming and business pursuits unless declared on the summary page of your homeowners policy and even then the coverages are very limited.These policys are designed to insure the type of residence you would find in the city.  You can insure your residence, outbuildings, livestock, produce and equipment under a farm policy.

What about your liability as a farmer?  What happens when your livestock escapes on to a neighbor's property or on to a public highway and causes damage to other peoples' property?

Can you drive your tractor down the highway from one parcel of land to another?

If you have more than one (1) farm vehicle, can you move a license plate amongst these vehicles?

What is the difference between actual cash value and replacement cost and what is a coinsurance clause and how would it affect a claim?

Do you have expensive breeding stock that needs to be insured?

Call us to have these and all of your other important questions answered by our professionals.