Farm insurance protects farmers against what can happen to their farm and their residence. Like homeowners and commercial insurance policies, farm insurance can be customized to fit your Cumberland, MD needs. For additional information about farm insurance and coverage options, call the experts at Knippenberg Insurance Inc. today.
What Does Farm Property Insurance Protect?
Farm property insurance protects your home and its contents; additionally, this policy protects your farm machinery, equipment, the products you produce, barns, and other farm structures. Essentially, this insurance policy covers things that make your farm your farm.
Coverage for Other Structures
Under farm property insurance coverage protects you against damage caused to other buildings on your property, including detached garages, sheds, barns, and in-ground pools. Additionally, your insurance policy covers damage to trees, shrubs, plants, lawns, and crops. When filing a claim, your primary policy also protects against theft and payments for loss of use.
Coverage for Machinery
Should the machinery used to work your farm get damaged in a covered event listed on your insurance policy, you will receive coverage to repair or replace the machinery. Additionally, your farm insurance policy protects you when the machinery listed on the policy is stolen.
Liability Coverage
Your farm insurance policy should also include liability coverage, which protects you if there is an accident on your farm. If an employee or someone else gets injured on your property, liability coverage pays for damages, including medical bills and lost wages, due to the injury.
Cumberland, MD farmers need to protect themselves and their farms by purchasing farm insurance. There are many types of coverage available, and speaking with an agent at Knippenberg Insurance Inc. can help you select the best policy and coverage for your farming needs.
