Whether you run an agro-business, have a veterinary service, or simply keep a single horse for recreational riding, you’d benefit from an equine or farm insurance policy tailored to meet your individual needs. Hummel Insurance Services, the premier agent in Oakland, IA, offers a variety of coverage types to protect your assets, no matter what your level of involvement. A bit of foresight and planning can be invaluable should an unexpected event threaten your farm, your horses, or your financial future.

Equine & Farm Insurance Coverage

1. Equine Medical & Surgical Coverage

You can purchase insurance coverage that defrays basic veterinary costs should medical issues arise. These include medicine, diagnostics, and medical visits, as well as surgical procedures, anesthesia, and other expenses.

2. Equine Mortality

You can also purchase equine mortality coverage that reimburses you for the value of the horse if it passes from an accident, illness, or other named cause. A "full mortality" policy offers the most benefits, and even covers theft of the animal. On the other hand, "limited mortality" coverage is less expensive, and it is ideal for situations in which your horse will temporarily be at risk, such as during transport across the country.

3. Equine Liability

If you run a horse-grooming, veterinary, or other equine care services, you can purchase liability coverage to protect you in case something goes wrong. If the horse suffers injury or passes while in your care, you are covered for its value or the cost of treatment. It also includes your legal expenses if you are sued.

4. Farm Insurance

Farm insurance covers the barns, silos, and equipment you use in your agricultural business. If your property is damaged, stolen, or destroyed by a named peril, you are reimbursed for the cost of replacement or repair.

5. Crop Insurance

Crop insurance covers you for the loss of income you suffer if your crop is destroyed by drought, flood, hail, or other natural disasters. It also protects you against the unexpected drop in price of your agricultural product.

Since its founding in 1944, Hummel Insurance Services has become the most trusted and experienced agent in Oakland, IA. Their team will help you design an equine or farm insurance policy that meets your needs and fits your budget. Visit their website to view hours of operations and directions to their office, or call (712) 482-6424 to speak with a representative and request an insurance quote.