What is Farm & Ranch Insurance?
If you own a ranch or farm, your operation faces unique risks and liabilities. A standard business or home insurance policy probably won’t proper coverages for your operation—if any. Let WhitCo Insurance guide you through your farm insurance in Tampa Bay.
To a certain degree, farm and ranch insurance works similarly to standard home insurance. However, farm and ranch policies can also protect barns, outbuildings, machinery, grain, hay, arenas, and various other farm/ranch buildings.
WhitCo: Insurance Know-How for Your Farm & Ranch Operation
WhitCo Insurance Agency has the knowledge and experience to help you create a customized farm and ranch policy. We’ll make sure your policy fits your operation’s need for individual coverages. Whether you own your property and work the land or rent to another party, we’ll help you find the right insurance mixes to attain proper protection.
Is the land you work leased? No worries. We’ll help you find suitable coverage regardless of your situation.
What are Your Farm & Ranch Coverage Needs?
Do you grow crops? Raise livestock or cattle? Are you a dairy farmer? Is your farm or ranch a commercial operation? Do you run a horse farm?
Whatever the size and coverage needs of your property, we’ll shop our multiple insurance providers to find you the right coverages at price points that fit your budget:
What Does a Typical Farm & Ranch Policy Cover?
Typical farm and ranch policies provide building coverages, combined with provisions to cover furnishings and equipment, including machinery and tools. If you raise cattle or other livestock, typical policies also provide accidental-death coverages for your animals due to:
Standard farm and ranch insurance also includes a liability provision. This coverage provides protection if someone with permission to be on your property suffers bodily injury or property damage due to an accident. You can also add umbrella coverage to extend your protection if you end up in court over a liability claim.
Additionally, if you live on your property, a typical farm and ranch policy will also cover your personal belongings:
Farm Insurance in Tampa Customized to Your Coverage Needs
Your coverages needn’t be limited to what’s provided by typical farm and ranch insurance. These policies can be tailored to include additional buildings, machinery, or even accidents caused by one of your animals. You can also add provisions to cover:
- Milk contamination
- Crop damage
- Cargo
- Flood
- Fire liability
- Employers liability
- Equine liability
