Farm and Ranch Insurance

Farm insurance coverage requires special policy forms to reflect the differences between farming and other types of businesses. These forms (endorsements) combine the residential and business protection necessary to properly cover farms.

Home, personal property coverage: The farm/ranch policy provides coverage for your home and personal property such as clothes, furniture and appliances.

Loss of use coverage: Provides payment for certain losses when your home is damaged and rendered uninhabitable because of an insured loss.

Farm property: This coverage can be tailored to fit the specific needs of your farm to cover your personal property, livestock, buildings, structures and mobile agricultural machinery.

Scheduled farm property coverage: Provides protection against specified perils for the farm personal property that you specifically name.

Unscheduled farm personal property coverage: Provides specified perils coverage for farm personal property that is use in farming operations. Livestock coverage is limited to a maximum of $2,000 per head, which is an adult one year or older. Livestock coverage paid for a half head is $1,000 maximum, which is an animal under the age of one year.

Farm buildings and structure coverage: Provides specified perils coverage for farm buildings and structures you specifically name.

Farm liability coverage: Provides payment for your legal liability up to the limits in your policy for damages because of bodily injury or property damage, personal and advertising injury, and medical payments to others. The farm liability coverage form also provides various supplementary payments, in addition to limits, such as loss of earnings up to $100 per day, attorney fees, bonds and interest that accrues after a judgment has been entered.

Medical payments to others: Provides medical expenses up to the limits in your policy for people who are on your premises with your permission and are accidentally injured. Coverage also extends to people injured by your activities.

Additional coverages: Chemical drift liability, damage to property of others, theft and claims expenses.

Optional coverages: Business pursuits liability, incidental business activities, custom farming, custom feeding, limited pollution liability.

Specified perils: Fire or lightning, windstorm or hail, theft, smoke, vandalism or malicious mischief, collision, explosion, vehicles, aircraft, riot or civil commotion.

If you have any further questions, please call us at Executive Insurance Group. Our team of experts can be reached Mon-Fri 8 a.m.-5 p.m. at 330.966.0080 locally, 800.981.0080 toll free, or email:info@executiveinsurance.com