Farm Insurance Quote Forms
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Farm Insurance Information
Farmers and ranchers have many exposures, and the line between personal and commercial assets may not always be clear. Additionally, there are many risks inherent to working in agriculture. Whether the potential losses come from severe weather, fires or liabilities, having comprehensive farm and ranch insurance can provide coverage for your assets.
The professionals at Link Insurance Service in Winchester, Ohio, can help you secure the insurance you need. Contact us today to get started.
What Does Farm and Ranch Insurance Cover?
Many available insurance options provide essential coverages. These include:
Farm liability insurance. If your farm or ranch operations are responsible for the bodily injuries or property damage to third parties, farm liability coverage may help you compensate them for their losses. It may also help pay for legal fees that arise from these claims.
Farm dwelling insurance. If you live on your farm or ranch, this coverage may protect the structure of your house if a covered peril damages it.
Farm equipment insurance. Farmers and ranchers often use expensive equipment and farm machinery (e.g., tractors, hay rakes, wagons and irrigation equipment). This coverage may help pay repair or replacement costs if they are damaged by a covered cause of loss (e.g., fire, wind and theft).
Farm structures insurance. If you own structures such as barns and sheds, farm structures insurance may provide protections if they are damaged by covered events.
Farm livestock insurance. Farm livestock insurance may provide coverage if your livestock (e.g., cattle) is lost due to covered events such as severe weather or loading/unloading accidents.
Crop insurance. If your crops are damaged by covered perils, crop insurance may provide payments to help recuperate lost income.
Equine insurance. This coverage may provide injury or mortality protection for your horses.
Commercial Auto Insurance. If your farm or ranch owns vehicles, commercial auto insurance may provide coverage if they are damaged or in an accident.
Workers’ compensation insurance. If your operation has employees, workers’ compensation may provide medical expenses and wage-replacement payments after a work-related injury or illness.
Umbrella insurance. If a liability claim exceeds your other policies’ liability limits, umbrella liability insurance may help cover the remaining costs.
Other policies and endorsements may meet your specific needs, including equipment breakdown insurance, agricultural drift insurance, products liability insurance, coverage for personal property and coverage for agritourism. Your Link Insurance Service agent can provide more details regarding available coverages, exclusions and limits.
How Much Does Farm and Ranch Insurance Cost?
The cost of farm and ranch insurance depends on various factors, including the size and location of your operations, your claims history and your selected limits.
The knowledgeable team at Link Insurance Service can help you build a comprehensive insurance plan that fits your needs and makes sense with your budget. Contact us today for more information.