Farm House Dwelling Insurance
Your home on the farm is where you go after a long day’s work and rest up for the working day ahead — that’s why the dwelling coverage on your farm insurance policy is so important. Your farm and ranch insurance includes a mix of homeowners insurance, otherwise known as farm house dwelling coverage, and business liability coverage.
What Does Farm Insurance Protect?
Farm dwelling insurance is the portion of your farm and ranch insurance policy that protects the dwelling structure on your property. Though similar, farm dwelling coverage is different than a homeowners insurance policy because it also offers a level of commercial liability insurance to protect structures associated with your farm or ranch business, like barns, silos and fencing. Increased coverage is also available for certain equipment necessary to your business, such as tractors and livestock. In essence, farm and ranch insurance is homeowners insurance, but with an extra level of protection for the business conducted on your property.
Your farm dwelling coverage protects the structure of your home, your belongings inside of your home, outdoor structures within 205 feet of the dwelling (e.g. gazebos, pools), and appliances. It also protects you for liability claims made against you or a family member.
Farm Home Insurance Coverage
Dwelling coverage insures your home and personal property against a broad range of unexpected incidents, which may include: