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Both novice and established farmers understand the hard work that goes into cultivating crops and caring for livestock. Because there's so much at stake, having a comprehensive farm insurance policy offers reliable protection against the unexpected. If you're unsure about what comes with standard coverage, here are several helpful items to know.

A Guide to Farm Insurance

Coverage

While most farm policies cover the basics of your home, contents and liability, if you own farm equipment such as tractors, balers, and plows, you need additional insurance to cover these items if they are damaged. The same is true for structures located on the property, including barns, sheds, greenhouses, and chicken coops. Farm policies are as individual as the farmers who need them.

Typical coverage will pick up the tab for damage caused by most natural and man-made disasters. From storms to equipment accidents, most insurance providers will either pay for the replacement or repair costs.

Crop Protection

farm insuranceFarmers rely on good weather to produce strong crops. Unfortunately, droughts and floods can destroy fields and cause financial hardships. There are many types of crop insurance that protect you in case of a poor yield. Crop-hail insurance not only covers hail damage, but it also covers losses due to fire, windstorms, and freezes. Another common offering is multi-peril crop insurance. All crops are protected in case of weather damage as well as disease, and loss of revenue based on commodity market fluctuations is returned.

Coverage in Southeastern Ohio

Farmers may need additional or specific farm insurance coverages if they have dairy cows, or hogs, or poultry. Coverages for milk spoilage, livestock electrocution or freezing and drowning are available depending on the type of livestock or crops on the farm. An experienced agent who is familiar with this type of policy can help farmers determine how much coverage they need.

 

If you're a farmer, your property, crops, and livestock deserve the best protection against damage and disaster. Simmons Insurance Group of Southeastern Ohio is your trusted source for comprehensive and affordable farm insurance. The agents know the industry lingo and have a thorough understanding of farming to offer customized coverage. Visit the website for information on the available insurance policies, and call (740) 667-3111 to discuss farm coverage options.
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