My farm insurance is dirt cheap. About $200 a year. Dont remember all the numbers but I have a couple hundred K in liability and I have about 20K in insurance on equipment. My company wants tractors,combines,cotten pickers etc to be stated on the policy, then other equipment I can lump into one big pile. Since we have 2 barns I figure I couldnt lose all my equipment in a fire so I only insure about 1/2 the value of the equipment(excluding tractors,combines, etc). My agent also said that the farm insurance will cover all sorts of other things such as rented equipment damage or loss due to theft. I think my policy is well worth the money...
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