What is Farm & Ranch Insurance?
If you own a ranch or farm, your operation faces unique risks and liabilities. A standard business or home insurance policy probably won’t properly cover your operation—if at all. Let Union State Insurance guide you through your Alabama farm insurance policy.
To a certain degree, farm and ranch insurance works similarly to standard home insurance. However, farm and ranch policies can also protect barns, outbuildings, machinery, grain, hay, arenas, and any other farm/ranch buildings.
Union State Insurance: Insurance Know-how for Your Farm & Ranch Operation
Union State Insurance has the knowledge and experience to help you create a customized farm and ranch policy. We’ll make sure your policy fits your operation’s need for individual coverages. Whether you own your property and work the land, or rent to another party, we’ll help you find the right insurance mixes to obtain proper protection.
Is the land you work leased? No worries. We’ll help you find suitable coverage regardless of your situation.
What Are Your Farm & Ranch Coverage Needs?
Do you grow crops? Raise livestock or cattle? Are you a dairy farmer? Is your farm or ranch a commercial operation? Do you run a horse farm?
Whatever the size and coverage needs of your property, we’ll shop our multiple insurance providers to find you the right coverages at price points that fit your budget:
- Commercial Farm and Ranch Insurance
- Row Crop Farm Insurance
- Dairy Farm Insurance
- Livestock Farm Insurance
- Equine Farm Insurance
- Cattle Ranch Insurance
Farm & Ranch Insurance Customized to Your Coverage Needs
Your coverages needn’t be limited to what’s provided by the typical farm and ranch insurance. These policies can be tailored to include additional buildings, machinery, or even accidents caused by one of your animals. You can also add provisions to cover:
- Milk contamination
- Crop damage
- Fire liability
- Employers liability
- Equine liability
What Does a Typical Farm & Ranch Policy Cover?
Typical farm and ranch policies provide building coverages, combined with provisions to cover furnishings and equipment, including machinery and tools. If you raise cattle or other livestock, typical policies also provide accidental-death coverages for your animals due to:
- Lightning strikes
- Attacks by predators
Standard farm and ranch insurance also include liability provisions. This coverage protects if someone with permission to be on your property suffers bodily injury or property damage due to an accident. You can also add umbrella coverage to extend your protection in case you end up in court over a liability claim.
Additionally, if you live on your property, a typical farm and ranch policy will also cover your personal belongings:
Contact Union State Insurance for a Free Farm & Ranch Insurance Quote
What coverages do you need for your farm or ranch operation? Not sure? Interested in exploring your options? If you’ve got questions about farm and ranch coverage, we’ve got the answers you need to make informed policy decisions! If you’re ready to see how much you could save on Alabama farm and ranch insurance, call Union State Insurance today at (205) 884-1670! For a free online farm and ranch insurance quote, fill out our online quote form on our contact page!