Farmers face a unique set of risks operating their business in the same location where they live. Basic home insurance and business insurance coverage do not supplement farmers with the coverage they need to stay fully protected. With farm insurance policies specifically crafted to protect farmers from various risks, farmers can rest easy knowing that their homes, businesses, and products are safeguarded.
However, there are many questions that professionals still have about farm insurance coverage to ensure that their policy is the perfect fit for their needs. Here are the top 3 questions that farmers ask about their farm insurance.
- Does one policy cover my dwelling and business?
Farm insurance is specifically crafted to fit the unique requirements that you face as a farmer. Not only is your dwelling and business protected, but other aspects such as structures, supplies, and livestock may be covered under your policy. To find out more about your policy ask your personal agent.
- What is not covered in my farm insurance policy?
Farm insurance policies cover a wide range of risks that you are susceptible to as a farmer, however, you may be wondering what your policy does not cover. Fencing and pollution insurance are not typically covered under your farm insurance plans. However, if you require these specific forms of coverage you can ask your independent agent to help you find a policy better suited to your needs.
- Does my policy cover natural disasters?
Perils that can cause extreme loss such as hailstorms, fires, floods, etc, are generally covered by your farm insurance protection. Other named perils such as theft and vandalism may be covered under your specific farm insurance policy.
Working where you live can provide you with conveniences that other professionals do not have. However, farming can be a taxing profession that takes lots of hard work and dedication. As a farmer, you need to be armed with quality farm insurance coverage to ensure your personal protection and the protection of your business.
Beck Insurance Agency serves farmers in Toledo, Waterville OH, Perrysburg, Napoleon OH, Bryan OH, and Defiance OH procure the right farm insurance coverage that suits their needs and desires. Offering insurance protection for more than 100 years, there is no insurance company more dedicated to helping their communities flourish than the trusted agents at Beck Insurance Agency. Call 877-446-2325 today to chat with a skilled agent about your farm insurance coverage needs and get a quote.
