Posted by JDseller on June 18, 2011 at 18:48:41 from (208.126.196.144):
In Reply to: insurance ? new farm posted by 65mas162 on June 18, 2011 at 07:03:47:
You need to get with some insurance agent that is used to writing farm policies. They will be able to insure the house, shed, and your tractors. The crop insurance guide lines are federal so it is basically the same regardless where you by it.
I would not listen to those on here that say to go without. The physical damage part of insurance for sheds and farm equipment it cheap. The liability is what is high.
The insurance on my three barns, two metal machine sheds, repair shop, and all of my farm equipment is only $3500 per year. That is on $650,000 dollars of coverage. You think about what that big shed would cost to replace and compare that to the insurance premium.
Just about forty miles west(Manchester) several farms steads where hit by straight line winds three years ago that leveled all of the buildings on about five farms. One of them was like some on here he did not have anything insured but his house. He is living in a new home but had to rent his ground because he could not replace what equipment he owned. That is not going to be me. I am sixty years old and I don"t have the time to start over.
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