Farm insurance isn’t just for large-scale farmers with thousands of acres and herds of cattle. If you have a hobby farm or small farm or ranch, you should seriously consider farm insurance. Here are a few reasons why.
Your Homeowners Policy Doesn’t Cover Your Hobby Farm
Most homeowners’ insurance policies exclude business and farming activities, meaning your hobby farm may not be covered if a storm damages your barns/shelters/etc. or if something is stolen. You’ve invested time and money into your hobby farm, and you wouldn’t want to pay for expensive repairs or replacements out of pocket.
If you use your small farm for agritourism events or grow and sell produce, you need liability coverage. Depending on how extensive your farming activities are, the liability coverage offered in a farm insurance policy might be enough. However, for product liability, additional policies could give you the coverage you need.
You Need Customized Coverage for Your Unique Farm
Not all farm insurance is the same. Your insurance needs aren’t the same as the farmer’s down the road. Talk with an agent at Atwater Insurance Agency to find out which policy is right for you.
Brian Atwater and Patrick Atwater, of Atwater Insurance Agency, represents top-rated insurance carriers who specialize in farm policies to ensure you get the coverage you need at the best possible price! Atwater Insurance Agency is located in Tifton, Georgia and now in Ashburn, Georgia. We offer coverage for your home, automobile, business, or farm. Let us find the right protection for the risks you face!
All policies are subject to different forms, exclusions and endorsements. Be sure to contact your agent for final confirmation of coverage and underwriting policies.
Source: Insurance Journal