Farm/ranch personal property insurance helps protect you financially in case of damage to items used to run your agricultural operation, such as tractors, combines, tools, grain, feed, supplies and livestock and is available as a blanket to cover all your farm/ranch personal property. Or, you may individually insure specific items of farm/ranch personal property.

Farm Bureau makes it simple to protect your farm/ranch personal property ― farm/ranch personal property insurance is eligible to be included in a  Farm Bureau Member's Choice policy, so you can tailor your farm/ranch insurance to fit your needs with one policy and one deductible.

Your farm/ranch personal property is covered for damage from such things as fire, lightning, windstorm, hail, theft and vandalism. Livestock coverage also includes accidental shooting, attack by dogs or wild animals, drowning and electrocution. For all the coverage options, talk to a Farm Bureau agent.

If you experience a covered loss, you will receive the actual cash value of the item. For example, if your tractor is 10 years old and damaged beyond repair, Farm Bureau pays you for the current value of your 10-year-old tractor, which may be less than it would cost to replace it with a brand new tractor. For commodities such as livestock or grain, actual cash value is equivalent to their market value.

Optional coverages available for an additional charge:

Livestock Freezing or Smothering Coverage — cover blizzard-related livestock loss

Suffocation Coverage — for loss of livestock in confinement due to suffocation

Peak Season Coverage — increases coverage for a period of time, for example during harvest when inventories may be high

Farm/Ranch Operations Interruption — adds coverage for extra expenses and loss of farm/ranch earnings due to an interruption of operations

Contents of Freezer or Refrigerated Unit Coverage — covers the loss of the contents of your freezer or refrigerator due to change in temperature caused by power interruption or mechanical or electrical breakdown of the refrigeration system

Earthquake Coverage — covers direct loss caused by an earthquake

Farm Bureau also makes it simple to help you keep a record of your farm/ranch personal property with our helpful farm/ranch inventory kit.

Protecting your personal property with Farm Bureau is simple. Talk to a Farm Bureau agent today for a farm/ranch insurance quote.