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It’s important to protect your Little Falls, MN farm with the right farm insurance policy. Whether you have a hobby farm or a farm business that you rely on for your livelihood, farm insurance is essential for covering unexpected expenses that could come up as the result of accidents.
At Hanneken Insurance Agency Inc. we offer a variety of farm insurance options. The following are three things you need to know about farm insurance when you’re in the process of purchasing a policy.
One of the most important and valuable assets that farm insurance protects is farm equipment.
Farm equipment is essential to the productivity of any farm operation. Farm equipment coverage is among the most important coverage types to look into when you take out a farm insurance policy.
Farm insurance is a highly individualized product.
Unlike many types of insurance such as auto insurance, farm insurance is a highly individualized product. There is no such thing as a standard farm insurance policy. You’ll need to devise your own farm insurance policy by determining which types of coverage you need for your unique farming operation.
If you need coverage for livestock, you can choose between individual and blanket coverage.
Farm insurance is not automatically included in farm insurance policies and needs to be added on. Livestock coverage is classified as either individual coverage or blanket coverage.
Individual coverage involves specifying a certain amount of coverage for individual animals. Blanket coverage is a lump sum amount of coverage for all animals on a farm.
It’s important to do your research to find the best farm insurance policy option for your needs. You can get in touch with us at Hanneken Insurance Agency Inc. to learn more about options for insuring your farm in Little Falls, MN.