What Does Farm Insurance Cover?

Farms of Fairfield County Are you looking for affordable farm insurance in Lancaster, Ohio? Our agency has been serving all of Ohio since 1977 – with various farm insurance policy options. Whether you’re looking to protect your land, liability, equipment, our agents can help bundle your farm insurance options and help you save money each year.

At Bill Palmer Insurance, we will help you customize your farm or ranch or hobby farm insurance policy in Ohio by starting with basic coverage options. Since the farms in Fairfield County are so diverse, our insurance agency can tack on additional options based on the needs of your Ohio farm.

A farm or ranch insurance policy may cover personal property directly related to the farming or ranch operation. The three most common categories covered are equipment, livestock, and liability, depending on the ranch. When you speak to our experienced insurance agents, you will be able to choose which coverage best suits your needs.

Affordable Farm Insurance in Ohio

Similar to a homeowners policy, farm insurance also provides liability protection. Liability insurance can cover bodily injury, medical expenses, and property damage. An important thing to remember is that accidents are bound to happen. No matter how experienced a farmer is, machinery can fail, or livestock may be startled, causing injury to a passerby.

Common Farm Accidents Insurance Covers

Living in the Midwest means that you or someone you know has probably experienced a farming accident. As they say, accidents happen. This is why it’s vital to have farm insurance that suits the needs of your Ohio farm. At Bill Palmer Insurance in Lancaster, we handle all types of farming accident cases.

Whether you need protection for a small farm and ranch operations to protection from expanding farms and ranches with related commercial exposure, we’ve got you covered in both personal liability to machinery and livestock. Just to name a few.

If you’ve got a team working on your farm, you need extra protection in case of an accident. You can never be too prepared. Below are some common accidents that our farm insurance may cover:

Tractor Rollovers
Overturning Heavy Machinery
Fire
Theft
Storm Damage
Vandalism
Malicious Mischief
Lightning
Water Backup
Intake of Foreign Objects
Loss of Income

From the type of dwelling to personal property and farm structure, you can personalize your insurance policy to suit your needs at a cost that won’t break your wallet. The policy you end up choosing will define your coverage based on which causes of loss apply.

If you’re unsure about the type of coverage your farm needs, you can give our experienced staff a phone call today at 740-687-5733.
Inset image by @sharonros.

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Additional Resources

Farm Office Ohio State University Extension

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