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If you’re a farmer who relies on crops to make a living, rain can be both a blessing and a burden. Excessive rainfall can create severe problems for your production and wreak havoc on your dwelling. This is one of the many reasons why it’s essential to secure farm insurance coverage. According to the professionals at Texas County Mutual Insurance in Licking, MO, it’s crucial for farmers to invest in a policy that’s tailored to their specific needs. This is the best way to mitigate losses caused by heavy rains.

farm insuranceStormy conditions can have a negative impact on your crop production schedule in a number of ways. To begin with, the sheer force of pounding rain can damage plants, causing them to split. The rainy season may also result in flooding, which will leach nutrients from the soil and prevent crops from getting the nourishment they need to thrive.

When the land is flooded, your plants may get so saturated that they begin to rot, develop mold, or drown. In addition, you won’t be able to access your crops with the usual equipment you use to care for them, eventually leading to their demise. With farm insurance that includes coverage for crops, you will be compensated for much of the value you lose from harsh weather.

If you live on your farmland, your policy must also satisfy your coverage needs for home insurance. Rain can lead to significant water damage in a dwelling, compromising its structural integrity and destroying the personal possessions inside. A standard farm insurance policy will cover a residence on your farming property and its contents. However, it’s important to confirm that perils associated with water damage are included. If not, you may want to consider purchasing additional coverage.

Farm insurance is a valuable risk management tool regardless of the season, but it’s particularly vital to secure the coverage you need before the rainy season arrives. Contact Texas County Mutual Insurance at (573) 674-3125 to request an insurance quote, or visit them online to learn more.

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