Farm Owners Insurance
Whether you own a farm or a ranch, Farm Owners Insurance is a unique combination of commercial and personal coverages to protect your home and business. A Farm Owners Insurance policy from Lions & Coventry Insurance Services is an all-inclusive and customizable insurance solution to secure your land, your property, and your finances against a number of inevitable situations that can arise on your farm. The basic package includes property coverage for your dwelling, personal property, and other structures, as well as the added peace of mind that comes with comprehensive liability coverage. Here are options available to you:
For most people, a farm is more than a place to work – it’s also where you lay your head after a long day. Under the dwelling portion of your Farm Owners Insurance policy, this coverage will help pay for damages to your home and any attached structures for all accidents and perils included in your policy.
Your Farm Owners policy also covers losses that may arise due to the damage or theft of personal belongings such as clothing, electronics, or home appliances. Items used in daily farm operations such as machinery, automobiles, and animals are not eligible for coverage under the personal property section of your policy, as they require additional protection.
Liability protection from Lions & Coventry Insurance Services helps pay for legal fees, medical expenses, and other losses that you may be held liable for that result from covered injuries or damage to other people’s property. Further coverage options, including employee injury liability, are available for an additional premium.
As the owner and operator of an independent farm or ranch, you’ve made a number of investments in your agribusiness – equipment, machinery, and crops. Livestock is also a big investment for farmers and ranchers alike, and like any financial asset, you’ll want to ensure a high-level of security and protection.
At Lions & Coventry Insurance Services, we know that the health and safety of your animals directly affect the health and profitability of your farm. Livestock Insurance can protect you and your farm against the financial losses that could occur if your animals are harmed or killed as a result of a covered accident such as a fire, blizzard, or other natural disasters – even when your animals in transit.
Livestock Insurance policies will vary from person to person, farm to farm, and animal to animal. The insurance value of each animal is usually its purchase price, but other factors such as performance level or value of your animal’s offspring can increase that value. A specialist at Lions & Coventry Insurance Services can help you determine the right amount of coverage at a price that meets your needs.