Do you need a Farm and Ranch Policy?

What Is Farm and Ranch Owners Insurance?

Whether you are a Bucks or Montgomery Pennsylvania farmer who grows corn or soybeans, or a family with a small acreage hobby farm, the land is your livelihood. Farming and ranching is more than what you do, it is who you are. At Dtown Insurance, we can find you the right coverage that protects everything you work hard for each day.

Farm and ranch owners insurance is dual coverage that protects your farm operations and the home that you live in. With it, you will have a custom blend of homeowners coverage and business insurance with additional options to best fit the specific needs of your farm or ranch.

Family Farm and Ranch Insurance Coverage

In addition, to keep a successful business running, you need the right protection for your property, farm tractors, barns, and sheds on your property. That is why a Farm and Ranch policy will help safeguard your farm or ranch with customizable coverages that lets you build a single, reliable policy.

Parts of a Farm and Ranch Insurance Policy

Dwelling coverage

Offers protection for your farm home and all your stuff in your home against fire, lightning, windstorms, hail and most accidental losses, including vandalism and theft.

Farm personal property coverage

This provides protection for personal items in your farmhouse: clothes, furniture, and tvs.

Additional living expenses coverage

Pays for increases in living expenses if you have to move out of your home due to a covered loss. This coverage will pay for food and rent while your home is being repaired.

Additional Private Structures

Most Bucks and Montgomery County hobby farms have detached garages or other private structures that are designed solely for your personal use.

• Includes private garages, utility buildings, boat slips and docks in same location as your house.
• Other structures covered include gazebos, tennis courts, children's playhouses, structures for hot tubs, in-ground outdoor swimming pools and above-ground swimming pools and pool houses and outdoor kitchens.

In addition, if you are renting out a space to tenants to board a horse on your farm, and that space incurs a covered loss that causes the space to become unusable, you will have coverage that can help pay the rental value of that horse stall.

This added coverage can make a big difference to your bottom line.

Farm building coverage

This coverage helps protect your pole barns, machine sheds, detached garages or other outbuildings.

Farm liability coverage

Delivers protection for the unexpected — including accidents, bodily injury, medical expenses or farm property damage.

Optional Farm and Ranch Insurance Coverages

Optional coverages help you customize your policy to your specific farm and ranch needs. Consider it added protection for extra peace of mind.

Farm equipment breakdown coverages

This covers a direct physical loss to your tractors, and other equipment due to an accident.

Additional farm and ranch property coverages

Optional coverage that offers extra protection, including increased limits on borrowed tractors and machinery, additional livestock hazards and more.

Supplementary coverages

Extra protection built into your policy for fire department service charges, private power and light poles, debris removal, clean up and more.

If you have a small farm, or a hobby farm, in Bucks County Pa contact us at Dtown Insurance. We're here to help  you get the coverage you need for your farm or ranch.