Bringing two things together can be lovely. Apple pie and ice cream, a frosty fountain drink and a sunny day, you and your best friend.

Occasionally though, “confusing” or "more challenging" are better phrases to describe the effects of togetherness. Family farms are one such area where the combination of home and work creates a fantastic blend but can prove to be confusing when deciding how to insure.

Don’t have a cow, we’ve got you covered.

Alta Vista Insurance covers farms and homes. Get a quote for your farm today.

“Can I insure my farm on a standard homeowner’s policy?”

Although a farmer's home and vehicles may be used for personal and business activities, a standard homeowner’s policy will not cover the various potential outcomes of operating a farm.

While there are additional modifications that may be made to a standard homeowner’s policy, every gap in insurance must be named in advance.

For example, in the event you sell chicken eggs at a farmer’s market and a customer gets food poisoning or your animal escapes and is hit by a vehicle and either of those instances is not expressly named in the modification, you will be responsible to pay the damages (The Insurance Journal).

To ensure your assets are protected, you may need a farm owner’s policy. Call an agent now to discuss the best options for your situation. Call (888)724-2124

Farms usually ought not be put on the homeowner policy because they have different risks associated with the animals, equipment, and workshops. If you want your cow, Caterpillar, and additional buildings to be covered, you’ll need something more than a standard homeowner’s policy.

Good to Know – Ask about a 30-Day Grace Period for Equipment

For a limited time period, some policies include protection against lapsing coverage for farmers when they buy replacement equipment, a helpful inclusion that allows farmers to keep working and remain insured even when the old equipment breaks down.

This is helpful since there’s no wait time for insurance on new, expensive equipment. The policy covers the replacement equipment instead of the old equipment up to $50,000 plus the limit on declarations or up to the actual cash value of the item.

While helpful, this grace period has an end date…farmers MUST report the replacement part within thirty days, the point at which the grace period ends.

If something occurs to damage the replacement machine or part after thirty days are up and the insurance company has not been notified of its purchase, the farmer will only be covered for the value of the OLD equipment.

Make sure your hard work and home are protected, call Alta Vista Insurance today and we’ll guarantee you the best coverage for the best price on your home farm.

Call (888) 724-2124 or visit our website.