Farming is an unpredictable business. You work long hard hours, and have to deal with many things far beyond your control. Farm insurance is a way you can deal with some of those variables. Platt Insurance & Financial understands the complexities and risks involved with running a successful farm.
Some of the more common coverages include:
General coverage, including the home, personal property, machinery, equipment, livestock, poultry, or grain.
Liability and medical payments, including personal injury, medical payments to others, residential bodily injury, overspray, and damage to property of others.
Property coverage, which may include damage from fire, lightning, wind, hair, explosion, riot, aircraft, vehicles, vandalism, theft, collision, freezing, smoke, falling objects, ice, snow, sleet, accidental water system overflow, sudden and accidental tearing apart, burning, bulging or cracking, sudden and accidental damage due to artificially generated electrical current, equipment breakdown, or building collapse. (This may vary by policy.)
Some policies may offer optional coverages such as water backup and sump pump discharge or overflow, scheduled personal property, replacement cost loss settlement, livestock mortality or blizzard protection, farm machinery rental reimbursement, family medical payments, farm employee injury protection, business pursuits, or agribusiness.