Farm/ranch personal property insurance helps protect you financially if items used to run your agricultural operation, such as tractors, combines, tools, grain, feed, supplies and livestock are damaged. It’s available as a blanket to cover all your farm/ranch personal property. With this coverage, your farm/ranch personal property is protected from damage from such things as fire, lightning, windstorm, hail, theft and vandalism. Livestock coverage also includes accidental shooting, attack by dogs or wild animals, drowning and electrocution. Additional coverage options you might want to consider:
Replacement Cost Coverage for Farm Machinery
When you add Replacement Cost coverage for farm machinery, if your machinery is damaged beyond reasonable repair due to fire, collision or other covered occurrence, we’ll help pay to replace it. And what sets us apart is that we offer you coverage for machinery up to eight years old2. This includes equipment like combines, planters, tractors, sprayers, skid loaders, cotton pickers, backhoes, balers and more.
Livestock Freezing or Smothering Coverage
Covers blizzard-related livestock loss.
Covers loss of livestock in confinement due to suffocation.
Peak Season Coverage
Increases coverage for a period of time; for example, during harvest when inventories may be high.
Farm/Ranch Operations Interruption
Adds coverage for extra expenses and loss of farm/ranch earnings due to an interruption of operations.
Personal Liability Coverage
Protects you if someone is injured while visiting your farm or ranch, or if you accidentally injure someone or damage their property while away from your premises.
Umbrella Liability Coverage
Offers additional liability coverage above your base policy’s limits.
Farm Ranch Employer Liability Coverage
Provides benefits for your farm employees if they are injured, become ill or die as a result of employment-related activities.
This valuable coverage helps limit your financial responsibility for the medical expense that can be incurred due to an employee's injury. It also help ensure that you'll be able to continue operations if an employee is injured.
1. Talk to your local Farm Bureau agent for more details on this coverage. 2. Based on a comparison of model year coverage with leading insurance competitors.