1Based on a comparison of model year coverage with leading insurance competitors.
What Does Farm and Ranch Property Insurance Cover?
Farm and ranch property insurance can provide financial protections for buildings and structures used in your operation, farm machinery, personal property used on the farm or ranch, loss of income and other farm or ranch exposures. Your Farm Bureau agent and ag underwriter will conduct an on-site SuperCheck® to help ensure you have the right farm property insurance coverage for your operation.
Replacement Cost Coverage for Farm Machinery
When you add Replacement Cost coverage for farm machinery, we’ll help pay to repair or replace your machinery if it is damaged due to fire, collision or another covered occurrence. And what sets us apart is that we offer replacement cost coverage for machinery up to eight years old1. This includes equipment like combines, planters, tractors, sprayers, skid loaders, cotton pickers, backhoes, balers and more.
Farm Operation Interruption
If a building critical to your farm or ranch is lost, you’re not just looking at a loss of property; you could also be facing a significant disruption of income. Farm Operation Interruption coverage adds an additional layer of protection for structures that generate income, from hog confinements to dairy barns and more.
Equipment Breakdown Coverage
Purchasing and maintaining the equipment that keeps your farm or ranch running isn’t cheap. Protect your investment with insurance for farm equipment breakdowns. Equipment Breakdown coverage covers losses caused by electrical or mechanical breakdown.
Your agricultural insurance policy can provide the coverage you need to protect your hay inventory. We offer variable stack limits that allow you to choose the coverage that suits your operation the best.
Irrigation Equipment Coverage
The irrigation equipment on your farm or ranch can be insured for replacement cost regardless of age, and coverage isn’t limited to only the center pivots.
Extra Expense Coverage
This coverage provides rental reimbursement for farm equipment that is inoperable due to a covered cause of loss.
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.
Livestock Freezing or Smothering Coverage
Covers loss to livestock from freezing or smothering in blizzards or snowstorms.