What Does Livestock and Cattle Insurance Cover?
When you have livestock insurance through American Family Insurance, your animals are covered for a variety of losses, including:
Accidents to your livestock: Loading and unloading your livestock in transit, electrocution, fire, smoke, explosions.
Natural disasters: Volcanic eruption and sinkholes. You also have the option to purchase earthquake coverage as additional coverage to keep your home and personal property other than livestock protected.
Weather events that affect your livestock: Flooding, lightning, wind and hail.
Crimes and civil unrest: Theft and vandalism — take a look at our tips to help you prevent livestock theft.
Collision while in transit (livestock transport insurance): Coverage for your livestock when in transport.
Limitations to Farm & Livestock Insurance
Keep in mind that there may be a limit on the value of any one animal, although higher limits may be available.
You can add the animal perils endorsement to cover losses caused by:
- Accidental shooting
- Attack by dogs or wild animals
- Collapse of building
Remember that your livestock insurance doesn’t cover old age, disease or death by natural causes. If you’re interested in coverage for these types of losses, your agent can help you learn more about your options.
Livestock Liability Insurance
With your livestock and animal farm insurance, your animals are also provided coverage for liability. So if you’re found to be legally responsible for your animals causing bodily injury or property damage to other people or their property, you’ll be covered under your policy.
To better protect your farm and consequences of your animals’ actions, consider the farm and ranch umbrella liability coverage. An umbrella policy is an added layer of protection to better protect you financially in the event of an accident or lawsuit.