What is Farm Insurance?

One of the types of insurance that we at Hanneken Insurance Agency Inc. serving the greater Little Falls, MN area offers is farm insurance. However, farm insurance is such a broad term and many people do not know what it is and what it covers. Here are a few of the different things that farm insurance may cover, depending on the policy.

Buildings on the Land

Farm insurance may be written to cover any buildings on the farm or land. This includes items such as homes, barns and storage silos. If you own the land and all of the buildings on the land, you may wish to include them in the farm insurance. If you do not own the buildings, you may not be able to insure them with farm insurance.

The Land

Another item that may be covered under farm insurance is the land. Depending on the type of policy, land insurance can protect against damage to the land that prevents you from being able to plant crops, such as floods or mud slides, or even damage to existing crops already in the land, such as freeze damage or pest damage.

Farm Equipment

Lastly, farm insurance may cover your farm equipment, including tractors, plowing equipment and seeding tools. These pieces of machinery can be expensive, so insurance protects them against theft and damage that is caused by accidents. Once again, you have to own the farm equipment in order for you to insure it under farm insurance. You cannot simply be renting it.

Farm insurance can be customized many different ways to help insure that it works for you. If you are looking to purchase farm insurance in the greater Little Falls, MN area, call Hanneken Insurance Agency Inc. today. We can help customize a policy for you, covering all of the elements you are concerned about on your farm.

Health Insurance is Beneficial at Any Age

Don’t think just because you’re young you don’t have to have health insurance. Although laws require everyone to have insurance currently, you might feel as though you shouldn’t have to because you’re young. However, age doesn’t play a role in your need for health insurance.

1. Accidents Happen Anytime

Accidents like broken bones happen anytime; it doesn’t matter how old or young you are. You could slice your finger at any time and require stitches. You could get into a car accident. The possibilities are endless, and sometimes you just can’t prevent accidents from occurring. Keep in mind, if you don’t have insurance through Hanneken Insurance Agency Inc., you might find a costly medical bill in the mail shortly after the incident. 

2. Sickness Happens

Sickness isn’t going to stay away from you just because you don’t have insurance. A serious infection may happen at any time. If you’re around the general public in Little Falls, MN, you could acquire a number of illnesses, some that require urgent medical care. Diseases like cancer don’t have an age limit, so your doctor may diagnose you at any age. Having insurance will allow you to get tested sooner and have a better prognosis. 

3. Extensive Treatment

You might feel as though you can easily afford the small doctor’s bills you accrue and a minor medical expense every now and then. However, you might find yourself in a predicament where you need therapy or have to remain in the hospital for several days. Let’s say you need physical rehabilitation after an accident. Could you afford to spend thousands? 

4. Preventative Medicine

Following recommendations for preventative medical care can get costly, especially if you get all the lab work done you should have each year. Insurance covers these expenses. 

Get a quote for health insurance today by contacting Hanneken Insurance Agency Inc., serving Little Falls, MN and the surrounding area, at 320-632-6592.