Farm Owners Insurance

You’ve Made It Your Living. Keep It Protected

We know that your farm or ranch provides a valuable service to the community, and we would like to return the favor by offering you the comprehensive protection you deserve.

A Farm Owners policy from Norris Insurance is an all-inclusive and customizable insurance solution to secure your land, property, and finances against a number of inevitable situations that can arise on your farm. The basic package includes property coverage for your dwelling, personal property, and other structures, as well as the added peace of mind that comes with comprehensive liability coverage. A Farm owners policy combines homeowner type coverages with the unique farm liabilities and property needs that arise in a farming operation. Essentially it combines personal and business coverages on one policy.

Personal coverages to your farm can include:

Dwelling insurance. The dwelling portion of your Farm Owners policy will help pay for damages to your home and any attached structures for all accidents and perils included in your policy. Additional residential dwellings that are part of the farm can also be covered.

Personal Property insurance. Your Farm Owners policy covers losses that may arise due to the damage or theft of personal belongings such as clothing, electronics, or home appliances. Items used in daily farm operations such as machinery, automobiles, and animals are not eligible for coverage under the personal property section of your policy, as they require additional protection.

Liability insurance. Liability protection helps pay for legal fees, medical expenses, and other losses that you may be held liable for, that result from covered injuries or damage to other people’s property. Further coverage options, including employee injury liability, are available for an additional premium.

Farm specific coverages may include:

Farm Equipment insurance. From tractors and combines to mowers, the list or equipment specific to the operation of your farm is long and valuable. Whether insured as blanket coverage or on a specifically identified item basis, we  will work together to make sure some of your most valuable assets are covered and with the coverages that you need.

Farm Structures insurance. Your Farm Owners Policy provides insurance to your barns, machine sheds, and granaries, essential to your day-to-day operations, to protect you from the financial and property losses that could result from damage in a disaster.

Farm Liability insurance. Under a standard Farm Liability Insurance policy, Norris Insurance will help cover the expenses in which you become legally obligated to pay for bodily injury claims on your property and damages to another person’s property as a result of a covered accident.

Farm Umbrella insurance. But when serious situations arise, you will want to make sure your business is protected. A Farm Umbrella policy picks up where your other liability coverage stops. It can be an affordable way to provide an extra layer of protection against claims of bodily injury and property damage.

Farm Equipment Breakdown insurance. In the event of equipment breakdown or failure, your policy covers damages to a range of farm equipment and machinery caused by power surges, mechanical breakdown, motor burnout, and even operator error.

You’ve worked hard to build your farm into a business. Norris Insurance will work even harder to ensure that your business is protected. Work one-on-one with one of our agents to determine the best coverage for your farming business.

Farm Livestock Insurance

Your Animals Are Assets Too

As the owner and operator of an independent farm or ranch, you have made a number of investments into your agribusiness – equipment, machinery, and crops. Livestock is also a big investment for farmers and ranchers alike, and like any financial asset, you will want to ensure a high-level of security and protection – so your animals will stay covered.

At Norris Insurance, we know that the health and safety of your animals directly affects the health and profitability of your farm. Livestock Insurance can protect you and your farm against the financial losses that could occur if your animals are harmed or killed as a result of a covered accident such as a fire, blizzard, or other natural disasters – even when your animals are in transit.

Livestock Insurance policies will vary from person to person, farm to farm, and animal to animal. The insurance value of each animal is usually its purchase price, but other factors such as performance level or value of your animal’s offspring can increase that value. A specialist at Norris Insurance can help you determine the right amount of coverage at a price that meets your needs.