Posted by kyhayman on June 18, 2011 at 23:00:10 from (75.105.0.38):
In Reply to: insurance ? new farm posted by 65mas162 on June 18, 2011 at 07:03:47:
Find a new company.... I've been with Kentucky Farm Bureau since I started. Really the only game in town with the total package. Your state should have local Farm Bureaus that write farm owner policies. I try to carry some coverage on any building that has some value to me. Maybe just a few thousand dollars of coverage but something. Rate is a around 7 dollars per thousand on pole barn type buildings. House and contents runs about 6.50 per thousand, and machinery about 6.00. As someone who has had total losses on rental homes, tractors, etc as well as other losses such as wind, ice, theft, etc its some of the best money I spend. My bill is around 2500 per year for farm owners with property and casualty and 500K liability. Its another 500 a year for another 4M liability rider. Thats not cheap but as an adjuster told me, the higher your limits the better the legal team if you get sued. I've got thousands of rolls of hay on the road every year. Its cheap protection for what I've worked for. As to crop ins, I cant make it pencil on anything but tobacco. I insure my hay in the barn against fire and theft, same rate as a machinery.
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