When driving through the heart of Omaha, you won’t find a farm anywhere in sight. On the other hand, if you’re driving through rural Adams, you’ll find farmland everywhere. But, if you’re a resident of a suburban town with a nice plot of land, would you know if you need farm insurance? Even if you don’t have 1,000 acres of land, you could still benefit from the protections farm insurance offers. So how can you tell if farm insurance would be a good investment for you?

Would Farm Insurance Cover Structures on Your Property?

If you have a barn, stable, or equipment building, you should consider farm insurance. While some homeowner’s policies can include coverage for these structures, most will only cover your home, garage, and pool. In fact, you may want to check with your insurance company to find out if your detached garage is covered; it may not be.

In the event of a loss, repairing or replacing structures and their contents not covered under your homeowner’s policy will come out of your pocket. By purchasing farm insurance, you will have peace of mind that, in the event a claim needs to be made, your structure and its contents are well protected.

Do You Have Crops or Animals Considered Livestock?

If you make money from selling crops from your garden, it is a good idea to consider farm insurance. If the money you earn is more than simply incidental income, you will want this revenue protected. Farm insurance would also cover some of the animals on your property.

While a house pet wouldn’t qualify, having multiple horses, pigs, chickens or cows would help you qualify for farm insurance. This is especially true if you sell any animal products to help with your family’s income, such as eggs or chickens for slaughter.

If you’ve never considered farm insurance before, or you’d like to know if you qualify, contact Fritch Insurance of Beatrice, NE, at (402) 223-3312 or visit them on Facebook. With nearly 20 years in insurance, they will ensure your assets, from your car to your home, are covered properly.