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 - A Lifetime of Farm Machinery - by Joe Michaels. I am a mechanical engineer by profession, specializing in powerplant work. I worked as a machinist and engine erector, with time spent overseas. I have always had a love for machinery, and an appreciation for farming and farm machinery. I was born and raised in Brooklyn, New York. Not a place one would associate with farms or farm machinery. I credit my parents for instilling a lot of good values, a respect for learning, a knowledge of various skills and a little knowledge of farming in me, amo
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