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Farm and Ranch Insurance
Farm and ranch owners can find specialized coverage to protect their property. This is dual coverage that protects your operation and your home. The plans are a combination of business and homeowners coverage that can be customized to fit the specific needs of your farm or ranch.
If you own a farm or ranch, here’s what you need to know about farm and ranch insurance.
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What Is Farm and Ranch Insurance?
Farm insurance and ranch insurance both provide protection for household personal property that is in your dwelling, like clothes, furniture, and appliances. Farm Personal Property, like farm machinery, grain, livestock, and farm tools can also be covered by these plans. In general, protection options range from the contents of your farm home, the interior and exterior of your farm home, as well as other structures and buildings on your property. You can customize the plan to cover whichever buildings you wish.
Farm and Ranch Liability Insurance
Your farm and ranch liability coverage protects you from the damages resulting from bodily injury or property damage that occurs on your farm or ranch. This coverage also protects people who are accidentally injured by your activities on the farm or ranch. Through the liability portion of your policy, medical bills and associated costs can be paid.
Excess liability protection
There are additional liability protection options available for people of varying business sizes. If your operation is large, you may need commercial liability coverage. This type of coverage will pay defense cost and judgements that come from covered claims of professional negligence, error, or omission. Personal liability insurance will protect covered claims that involve defamation of character, libel, or slander. To determine whether you need any of these additional plans to protect your farm or ranch, speak to a licensed insurance agent.
Insure Your Farm or Ranch
To ensure that your farm or ranch and the people within it are protected, you need farm or ranch insurance. If you need help choosing a plan, contact Insured For Life. Our licensed insurance agents will help you find the best insurance arrangement for your farm or ranch.
