Owning a farm is a lifelong dream for many people, but it’s also a massive financial and emotional investment with risks other businesses don’t have to face. Farm insurance policies are written with these threats in mind, providing peace of mind and protection from the unpredictable perils that come with farm insurance. Here is a policy guide for new farmers and ranchers.

Answers to Common Questions Farmers Have About Insurance

How does farm insurance differ from other commercial policies?

Even small farms may have several hundred thousand dollars in equipment with several barns and other outbuildings. Farms with livestock are also exposed to more liability than most other businesses and need coverage to match.

What does farm insurance cover?

Your farm insurance policy protects the property you rely on from various threats — including major storms, theft, and vandalism. It also provides liability coverage, shielding you from lawsuits if your animals escape and damage a neighboring property.

Will my homeowner’s insurance cover my barn if I live on the property?

While home insurance typically covers sheds, garages, and other outbuildings, most policies specifically exclude anything used for commercial purposes. Even if you live on the property, you’ll need a separate farm insurance policy to protect your valuable investments.

How do I get a quote?

Independent insurance agents work with several different carriers, giving them the ability to compare prices to find the best option for you. They also have the expertise to walk you through the process, recommend steps for bringing down your premiums, and help you collect the information necessary to get an accurate quote.

Whether you’ve just bought your first farm or have been working the field for years, Advantage Insurers, Inc. has the perfect policy for you. They offer one-on-one service to farmers and ranchers throughout Georgia’s Habersham and White Counties, dedicating themselves to ensuring your livelihood is protected. Visit their website for more on their business insurance services, or call (706) 754-1590 to make an appointment and request a quote.