Posted by kyhayman on August 24, 2011 at 07:45:25 from (99.197.64.56):
In Reply to: Re: Farm Insurance posted by Formerly PaMike on August 24, 2011 at 02:51:45:
I'd be looking at changing companies. We did the same thing with KFB. Dad and I had stuff that was his, I had stuff that was mine, and we had stuff that was ours. Actually the policy is still that way now that he's gone since my mom and I each got part of what was his. We each have our own KFB memberships and have our autos in our own names plus 2M umbrella liability policies in our own names.
Base policy is around 300 bucks for the basic farmowners with the two of us. Covers the essentials, limited employee medical 500K liability, utility damages, etc. Then machinery and equipment coverage for a tad over 6 dollars per thousand, frame buildings for a tad over 7 dollars per thousand, house and contents a little over 4 dollars per thousand. I think hay stored in the barn costs about what the barns do. All in all I am very pleased. KFB has treated me well over the years. We've had several claims and its never been an issue, no horror stories of being cancelled, longest I've ever had to wait was on a 6 figure check when a rental house burned. It took about a month. Others unless it was auto usually settle within 2 weeks.
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