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These days, the agricultural industry thrives on machinery and technology just as much as the rest of the workforce. From tractors to irrigation systems, the fate of your farm lies in protecting this equipment. Luckily, you can safeguard your investments by securing farm equipment insurance. Use the following guide to learn more about this essential policy.

What Is Farm Equipment Insurance?

Even if you live on your farm, your equipment won’t be covered by your homeowners insurance policy. Your machinery is valuable in its own right and crucial to your daily operations as a business owner. With farm equipment insurance, you won’t have to pay out of pocket for repairs if your gear is damaged or stolen. This way, you can continue tending to your farm without going bankrupt.

What's Covered Under the Standard Policy?

farm equipmentOne of the most essential pieces of gear covered under a standard farm equipment policy is your tractor. From planting to hauling, your entire farm could come to a halt if this vehicle breaks down. In addition to tractors, farm equipment policies cover harvesters, planters, sprayers, combines, and hay rakes. Irrigation systems, wagons, and other field tools will also be covered. Even equipment used in the office that oversees your farm operations will be encompassed in the fine print.

What Are the Benefits?

In addition to human threats like theft and vandalism, your farm equipment policy will protect your gear from natural dangers, such as fire, smoke, and storm damage. If you get into an accident in your tractor, collision repair will be covered. These policies will also take financial liability off your hands if you injure someone or damage their property while using your farm equipment.

 

If you’re ready to protect your farm and your investments by securing this policy, reach out to Texas County Mutual Insurance. They offer farm equipment and machinery insurance to people throughout Missouri, and they’ve been faithfully serving farmers since 1904. Without shareholders or owners to please, you can trust that this mutual company will put your needs first. To learn more about their policies, visit the website or call (573) 674-3125 to ask for a quote.

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