Protecting your home, business, structures, and equipment with Farm Insurance.
Your farm is more than your place of business. It is your family home and is often a family business that has lasted for generations. Protecting everything you and your family have built is as much of a priority to us as it is to you.
As the business of farming grows increasingly complex, so do the potential risks and liabilities for your operation. Your local Highstreet agent understands the changing landscape of farm insurance as well as the unique needs of farms both large and small. With many policy options to choose from, we can help you find the right farm coverage that will protect what matters most to you with a plan you can afford and sustain for years to come.
Farm Property and Contents
Much more than standard home or even business insurance, Farm Property and Contents covers the buildings and property where you live, work and produce.
Protecting your home, buildings and possessions.
Farm Property and Contents coverage can include:
- Your farmhouse
- Personal property in your home
- Farm structures, like barns, granaries, sheds or additional farmhouses
- Fences
Your local Highstreet Farm Insurance specialist can help you find the right policy to protect your farm.
Farm Machinery and Equipment
The equipment you use on your farm represents one of your biggest business investments. Newer, high-tech equipment is much more expensive to buy, maintain and replace than it was on your grandparents’ farm.
Protecting your technology investments.
Farm Machinery and Equipment coverage can protect you from loss of — or damage to — agricultural essentials like:
- Combines
- Seeders
- Tractors
- Sprayers
- Balers
- Threshers
- Pivots
You can also be covered for incidents such as damage during towing and hitching, or for equipment that you rent or borrow for your farm.
Your local Highstreet agent will take the time to go over your inventory of farm machinery and equipment to help you get a coverage plan that protects your ability to operate with policies you can afford.
Farm Products
Farm Products (or Produce) Insurance covers your crops when they’re no longer in the ground, including grain, feed, seed, or other products being stored on your farm.
Protecting your crops in storage.
A Farm Products Insurance policy is essential if you store your harvest on-site. For example, if you have a fire in your granary, resulting in a loss of produce, your Farm Products policy would cover that risk.
There is a wide range of options available for Farm Products coverage including hay and straw, silage, fruits and vegetables, milk and honey and even crops grown for biofuel.
Your local Highstreet agent can help you decide if this kind of additional coverage is right for your farming operation.
Farm Liability
As you are well aware, farming operations are full of hazards to life and limb — especially to people who are not at home on a farm. This liability coverage can protect you and your farm from potential financial damages in case of an accident.
Protecting you if you are sued.
When your farm hosts visitors for social or business occasions, you are at risk of a potential lawsuit if they are unintentionally harmed by you, or your property, buildings or equipment. Even harm caused by your animals or by pesticides.
Farm Liability insurance can also cover damage to other people’s property when they are on your land.
Your local Highstreet agent can show you how the right Farm Liability policy can protect you and your operation from potentially catastrophic financial losses due to lawsuits, medical bills and legal costs.
Farmers Umbrella Insurance
Get extra coverage for the many liability risks on your farm, from visitors who may be injured on your property, to unexpected damage done by your animals or machinery, or even unexpected claims of slander, libel or psychological harm.
Protecting you with extra liability coverage.
If you are held liable for an incident, the payment limits of your regular Farm Liability policy may not fully cover major financial damages. That’s when Farmers Umbrella Insurance can provide a million dollars or more in extra coverage.
Your local Highstreet agent can help you decide if you and your farm would benefit from umbrella coverage. It is usually recommended for farms and farmers with high net worth.
Business Income Protection
Business income insurance can help protect your farming operation and your family if you’re shut down by circumstances beyond your control, such as wildfires, hail, wind, mechanical breakdowns, crime or other disruptions.
Protecting your farm income when you need it most.
If your livelihood is disrupted by the unexpected, the right policy can help pay your bills and maintain the income you need to take care of your business and your loved ones.
Your local Highstreet agent can sit down with you to look at your operations and your income needs, to see if this kind of coverage is right for you.
Our farm insurance experts
are hands-on, just like you.
are hands-on, just like you.
To put together the right mix of insurance to protect your unique farming operation, Highstreet farm insurance specialists draw on more than 750 years of combined farm insurance experience, as well as many years working the land on our own family farms. Count on us to understand what makes your operation unique and to customize a plan that covers your risks while helping your agricultural business grow.
“Hall of Fame Company with heavy hitter agents… put us in a comprehensive policy that covers our home, auto, and farm. Customer service is always prompt and on point.”
Travis
Minden, Nebraska
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