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FarmJust as people purchase insurance to protect their homes, those in the agricultural business need to purchase insurance to protect everything on the farm. If you own a farm and are looking for insurance, here are five types of insurance that are available.
  1. Dwelling: This is your homeowners insurance and it protects against fires, storms, theft, vandalism and other similar events. It also protects attached structures like garages.
  2. Liability: If someone is working on your farm or visiting your farm, liability insurance protects you from a lawsuit if that person gets hurt. Liability policies protect you against accidental bodily injury, medical expenses and property damage.
  3. Other Buildings: Just as you protect your home with homeowners insurance, you need to protect your barns, stables, silos, corrals and any other building or structure that is not attached to your house.
  4. Livestock: These insurance policies generally cover accidental shooting, drowning or death due to loss of electricity. You can choose between individual coverage, where you list each animal separately, or blanket coverage that includes your equipment and structures. If you have a farm with a few animals that are worth a lot of money, talk with your independent insurance agent about individual coverage or a combination of individual and blanket. You can also get herd insurance, which covers a large group of animals.
  5. Crop: This insurance can be the most confusing. Talk with your insurance agent about multi-peril crop insurance and crop-hail insurance. Multi-peril crop insurance protects your crops against hail, fire, floods, insects and other natural disasters. It also protects you against a loss of income due to the prices declining. Crop-hail insurance is just for hail damage.
Get the coverage you need. Call Lancette Agency at (651) 264-1230 for more information on Minneapolis farm insurance.
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