Agriculture Insurance

Both are part of agriculture insurance. Crop insurance is designed to help protect the yield or revenue you expect from the acres you plant, while farm insurance addresses buildings, equipment, livestock, and liability. Many operations carry both, and an Inszone Insurance Specialist can help you review what fits.

Federal crop insurance is a USDA Risk Management Agency program, and MPCI is its core coverage. Depending on the plan, it is designed to help protect against yield or revenue losses from natural causes such as drought, hail, and freeze. Premium subsidies may apply, and terms vary by crop and county.

Yield Protection is designed to help protect against a drop in yield, while Revenue Protection also considers price movement between planting and harvest. Both are generally tied to your actual production history (APH). Availability varies by crop and county.

Crop-hail is a private policy designed to help protect against hail damage, typically written acre by acre. Because MPCI is based on your production history, many growers consider carrying both. An Inszone Insurance Specialist can help you review the options.

Replant coverage is designed to help pay part of the cost of replanting when the first planting is lost early in the season. Under MPCI, a payment may be available when acreage and timing requirements are met. Contact your agent before you work the ground.

Federal crop programs follow sales closing dates that vary by crop and county, and coverage levels generally cannot be changed after that date. Inszone Agriculture starts agriculture insurance conversations well ahead of the deadline. Contact us to confirm the dates for your crops and county.

Crop insurance cost depends on the crop, county, plan, and coverage level, and federal premium subsidies may apply. Farm insurance cost depends on property and equipment values, livestock, liability limits, and loss history. A quote based on your operation is more useful than a general figure.

Tractors, combines, and implements may be covered as farm personal property or on an inland marine equipment schedule, depending on the policy. Coverage depends on policy terms and the values on file, so keep them current. An Inszone Insurance Specialist can review your schedule.

Farm property coverage, often written as a farm owners policy, may include barns, machine sheds, grain bins, other outbuildings, and in many cases the farm dwelling. Terms and exclusions vary, so an Inszone Insurance Specialist can help you review what your policy may include.

Livestock is often insured separately from the basic farm property policy. Depending on the carrier, agriculture insurance options may include coverage for death of livestock from named causes. Coverage depends on the species, values, and policy terms.

Farm liability coverage is designed to help protect against bodily injury and property damage claims arising from farm operations. Umbrella coverage may add higher limits, and workers' compensation requirements for employees, including seasonal workers, vary by state.

Farm trucks and trailers are often insured under a farm or commercial auto policy rather than the farm property policy. Coverage may depend on how the vehicle is used, such as hauling grain or livestock. An Inszone Insurance Specialist can help you review how yours are insured.

Agriculture insurance is available for operations of many sizes, including hobby and small farms and ranches, and eligibility varies by carrier. Homeowners policies often limit or exclude farming activity, so it is worth reviewing your situation with an Inszone Insurance Specialist.

An agriculture insurance agency helps growers and farm operations compare crop and farm coverage, keep schedules and acreage reports current, and report claims. Inszone Agriculture works with options from multiple carriers. Contact an Inszone Agriculture office to speak with a team in your area.