At the Brownlee Agency, we get asked many questions about farm insurance. Granted, agriculture is a large part of our business here in Tifton and the surrounding areas of Albany, GA, Moultrie, GA, Sylvester, GA, and Valdosta. While many of our local agricultural industry is acquainted with farm insurance, there still are some misconceptions regarding what farm insurance covers and what it doesn’t.
Here are some of the common questions about farm insurance.
I Already Have a Homeowner’s Insurance and Commercial Vehicle Coverage, and No Livestock. Do I Still Need Farm Insurance?
This question implies the farm in question is growing crops only. However, the chances are that there is equipment used in the planting and harvesting as well as storage for both crops and equipment. These two items are usually not covered under traditional homeowner’s insurance because they are outbuildings and used for commercial purposes. If you’re not sure, let us review your policy for you. We might be able to find one that can combine your homeowners insurance as well.
I Might Be Hiring More Employees Next Year. Will That Change My Farm Insurance?
Absolutely. Any time your business changes – more equipment, more livestock, change in employees, etc., your farm insurance will change too. And this might mean a price difference. Seems time-consuming? It might, but this is why the Brownlee Agency is your local connection for farm insurance throughout Albany, GA, Moultrie, GA, Sylvester, GA, Tifton, and Valdosta. Any time your business changes, let us know, and we’ll be sure to adjust your policy accordingly. And when it comes to pricing, trust the Brownlee Agency to go to work finding the competitive rates for the coverage you need.
We Just Have a Small Operation. It’s More of a Hobby and/or an Activity for the Kids. Do We Still Need Farm Insurance?
Here’s where things get tricky, but the answer is yes. Whether it’s eggs, a roadside stand, farmer’s market, your kid’s 4H animal, or other side activity, you need to protect yourself. The main coverage is for liability, but we can add some more items such as equipment or tools. We want our neighbors to enjoy bringing their produce to the community, raising prize livestock, and more. Let us know your plans, and we’ll find the right affordable coverage for your blooming business.
We know margins are tight, and you’re looking for cheap farm insurance. We promise we’ll do our best to find the right insurance at the right price. Let us do the price investigation for you. Call us to set up your appointment to discuss your farm insurance needs today.