![]() ![]() If you're in Texas, don't hesitate to call us at 97 for all your farm insurance needs.Īlternatively, feel free to fill out our online quote request form to get started. If your farm is roughly 10 to 40 acres and isnt the. Why choose us? Superior Insurance Services, Inc. Hobby farms have some insurance options available to them that the traditional commercial farm doesnt. Why Partner with Superior Insurance Services, Inc.? Just fill in your details, and we'll get back to you with a tailored offer. If you're interested but not yet ready to commit, feel free to use our user-friendly online quote system. ![]() We offer a variety of discounts and customizable plans to fit your budget. Structural damages due to natural disasters.Here are some typical claims that your farm insurance from Superior Insurance Services, Inc. There are many different policies that may apply to your specific business which you should purchase to ensure your total investment is well-protected against all the perils that could affect it.Ensure the well-being of your livestock against losses from events such as diseases, accidents, or natural calamities. Know Your Farm Insurance Coverage to Stay Protectedįarm insurance can be a complex topic for any Texas farm or ranch business owner. According to the IRS, you may deduct up to 25 percent of your gross farm income for conservation. Farmers can deduct certain conservation-related expenses. Crop insurance proceeds must be included in your farm income. Liability - Beyond insurance policies that cover structures, property, and even animals, your operation may also require certain types of liability coverage beyond the basic coverage provided with a homeowners policy, especially if you have employees, customers or clients come to your property, or you sell any kind of produce or food product. If you have a Farm Loan, visit the self-service website on to view your loan information, history, and payments. There are differences in these policies as well, between stock herds, valuable breeding stock, and animals used for show or competition. Livestock - Horses, cattle, and other livestock must also be insured under their own farm insurance policy. You must purchase enough separate coverage so that anything stored within those buildings is protected in the event of damage, loss, or theft. These items should be insured separately with a policy from your farm insurance agency designed to protect these structures only.įarm Property and Equipment - Unlike a homeowners policy, the business property and equipment held within your agricultural buildings is not automatically covered by the policy that covers those structures. From livestock barns to equipment sheds, this policy will cover the buildings themselves as long as each one is named on the insurance policy.įences, Pens, and Sheds - Fences are not included in most farm insurance coverage, nor are animal sheds, corrals, gates, and other associated structures. Like any standard policy, this will protect your home against named perils, your personal property up to the policy limits, and even a few outside structures like sheds and pool houses as the policy permits.īarns and Buildings - The next main insurance policy your operation should have is one that covers your barns and agricultural buildings. Homeowners Insurance - Whether your operation is a working farm, a hobby venture, or just your personal property that you generate no income from, the building that is your home or the main home dwelling on a farm or ranch property must be covered by a homeowners insurance policy. Provides insurance protection for the Farm Personal Property (such as farm machinery, grain, livestock, and farm tools) that you use in your farming operations. ![]() Different Types of Farm Insurance - What Do They Cover?Ī Texas farm or ranch operated as a business falls outside of any homeowners policy, no matter how large or small the operation may be.Īs such, these businesses typically need a variety of farm insurance policies so they are thoroughly covered for the range of losses that could affect them: You should also understand which policies provide which coverage so that any loss you have will be protected.įarm insurance is not an all-inclusive policy.įrom the dwellings and fencing that may be on your property to the equipment and livestock, each risk may fall under a different type of insurance. Complete Protection - Have the Right Farm Insurance Coverageīecause a working farm or ranch will have on it many different structures, items, and animals, it’s essential that you understand how farm insurance agencies view these properties and how they must be protected. ![]() Make certain that you purchase the right policy for your needs by working with a farm insurance agency that can offer you the best advice and help you protect your farm, your ranch home, and everything on your property with the right policies. Getting the right farm policies so your entire investment and livelihood is protected can be tricky, making it important to understand what is covered and what isn’t. Farm insurance is a necessity for any working farm or ranch business in Texas. ![]()
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