I carry general farmowners and auto with Kentucky Farm Bureau. Its reasonable and covers perils to buildings and equipment like collapse, snow, wind, water sometimes (water coverage is fickle here, if its flood you have to have national flood insurance), fire, theft, and vandalism. Building coverage runs about 10 bucks per thousand in coverage, machinery and equipment between 6 and 7 dollars per thousand.
A general farm owners policy with them also provides coverage for utility damage, environmental clean up, liability, medical payments to others, etc. Since it just gives 300,000 in base liability I buy up a rider for an extra 1M in general lines liability coverage. All in all I have been very pleased with them. It is a member owned company, and over the years I've collected on several claims, big and small.
I dont try to insure for everything or at full value, the bill not counting vehicles is over 3000 a year as it is. Instead I try to cover the buildings at what a replacement functional building would cost.
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Today's Featured Article - New Hitches For Your Old Tractor - by Chris Pratt. For this article, we are going to make the irrational and unlikely assumption that you purchased an older tractor that is in tip top shape and needs no immediate repairs other than an oil change and a good bath. To the newcomer planning to restore the machine, this means you have everything you need for the moment (something to sit in the shop and just look at for awhile while you read the books). To the newcomer that wants to get out and use the machine for field work, you may have already hit a major roadblock. That is the dreaded "proprietary hitch". With the exception of the
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