Hobby Farm

This is your primary home building itself. But your home isn’t just four walls and a roof. Any permanently installed outdoor equipment on your property, including outdoor swimming pools, is protected under your Dwelling limit.

Any sheds, garages, or barns that are used to store farming equipment or livestock will need to be insured differently than the garage attached to your home, which is used only for storing your personal vehicles.

You invest a lot in the machinery and equipment you use to operate your farm. If a fire, a collision, or ingestion, damages your machinery, repairing or replacing it could be substantial

Multiple voluntary firefighting departments may respond if a fire occurs on your land, depending on your location. Every voluntary fire department will send an invoice if they are called to help put out the fire on your land. Each department’s rates may differ, and you could see anywhere from $900 to $1200 charged as an hourly fee. It’s always important to contact your local RM or Municipal Office to find out if your taxes cover these charges or add some additional coverage to your policy.

Adding Voluntary Firefighting to your policy will ensure that you are financially supported if you receive a hefty bill after the fire’s put out.

The comprehensive farmer’s liability covers owned, rented, or leased land and property for personal and farming activities. It provides coverage for bodily injury and property damage from individual actions, farming operations, and volunteer liability.

Basic liability starts at $1 million and can go as high as $10 million. It is also the cheapest and most worthwhile coverage on your policy to purchase. Taking that combine out on a public road to get to the field? If it hits the power line, your liability coverage will shield you from the brunt of expenses.

Our Loan Protection coverage is not a one-size-fits-all style policy. Our personalized policies translate to better coverage and premiums that are, on average, 30-50% lower than traditional Creditor Insurance. We also give you the ability to lock in your rates, so you will not be faced with expensive increases down the road.

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