Farm Property


Farming is an extremely challenging business that requires constant hard work and resilience in the face of both successes and setbacks. Farmers often face various difficulties, such as low crop prices, high input costs, rising land prices, and foreign tariffs, which can add to the burden. The unpredictable weather throughout the growing season adds another layer of stress.

Despite these challenges, farmers soldier on, feeding our nation and deserve our appreciation for their dedication. They navigate an emotional roller coaster yearly to provide food for our tables. Farm insurance is a crucial investment to protect against potential devastation caused by natural disasters, insurance claim losses, or poor crop yields or pricing.

One essential part of any good farm insurance plan is Farm Property Coverage. Hitchings Insurance offers cost-effective solutions to support and protect every type of farm. By breaking down some of the coverages to consider for your farm property, we can help improve your peace of mind.

Farm Property insurance coverages to consider.

Farm and ranch insurance includes coverage options for the dwelling and farm buildings:

Farmhouse Insurance

The heart of the family farm, where meals are prepared, children play, and essential life lessons are taught. It’s crucial to have proper insurance coverage to ensure that the house can be rebuilt without any financial strain.

Farm Building Insurance

This category includes machine sheds, tool shops, grain bins, grain legs, grain dryers, garages, and livestock barns in different sizes and shapes. Adequate coverage is essential to avoid financial losses in the event of a total structure loss. For example, losing an entire herd due to damage in the livestock building necessitates livestock coverage and business income loss from the inability to sell livestock, milk, or other goods.

Flood Insurance

If you live in an area susceptible to flooding, you may need a floaod plan to cover against flash flooding or flooding from a body of water.

Water Back-Up Insurance

Coverage water damages that come from internal drainage.

Builders Risk- This protects the owner against a new construction structure. It has unique coverages for temporary exposure.

Farmers can sleep easily at night after a long day’s work by having the correct farm and ranch insurance. Work with an insurance partner who can help guide you to the most competitive options in the marketplace.

Our Farm Insurance Promise

We value people, even more than the farms they operate, and make it our job to mitigate risks and leave no room for doubt. We actively listen, ask questions, and leverage our network of insurance carriers to find the right coverage, at the best price possible.

To learn more about our ‘People Before Policies’ approach – complete and submit a free quote request – or call us at 419-423-9145.