Georgia Farm Insurance

Farm insurance is essential for protecting your farm investment, whether it's a small hobby farm or a large commercial operation. Jack Bradley Agency offers comprehensive coverage tailored to meet the diverse needs of farms of all sizes and types. Because we are an independent insurance agency, we have choices when it comes to carriers.

What is Farm Insurance?

Protection for your Investment: Farm insurance safeguards your farm against unforeseen events, recognizing that it’s a significant life investment.
Coverage Components: Typical farm insurance policies cover dwellings, farm structures, personal property, inland marine assets (for example tractors and equipment), and liability.

How much will you pay for Farm Insurance?

Your farm insurance policy is most often made up of the specific options you choose. How much you'll pay for your policy depends on:

Options you select - Often farm insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.
How much you want to cover - Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $1000 deductible, you would be responsible for paying the first $1000 of the covered loss.
Where you set your limits - You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

Worried you aren’t completely covered? Consider an umbrella policy that extends your coverage.

Coverages to Consider:

The amount you pay for your farm owners insurance depends on many factors. Think of your entire farm from personal housing situation to all things farm related, and the assets you want to protect.

Protection for Your Primary Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for Dwellings on your premises for housing farm employees
These could be rental housing or provided as part of compensation.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. Your personal liability coverage should be high enough to protect your assets if you are sued.
Medical Coverage
This covers medical expenses for guests if they are injured on your property. does not cover health care costs for you or other members of your household.
Additional Living Expenses
I f you can’t live in your home because of a covered loss, your farm insurance policy will pay additional living expenses while damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
Farm Buildings
If you have Barns, Storage Buildings, and fences these all need to be carefully reviewed and scheduled on your policy.
Farm Income and Extra Expense
Provides coverage for loss of income, ongoing operational costs, and extra expenses incurred during the recovery period after a loss.
Farm Equipment Breakdown:
Covers the repair costs of modern, complex farm equipment, preventing you from facing hefty repair bills.
Cyber Protection
Shields your farm and data against evolving cyber risks like cyberattacks, extortion, fraud, and data breaches.

Considerations When Shopping for a Farm Policy:

Industry Knowledge
It’s crucial to choose an insurance provider with expertise in farming to ensure proper assessment and handling of claims.
Trust and Reliability
Working with a trusted insurer is essential, as they understand the nuances of farming and can provide personalized service.
Agent Support
Partnering with an independent agent who understands your farm’s unique needs is vital for tailoring a custom policy with adequate coverage.

Protect the Things that Matter to You

Farming is not just a home or a business it’s a way of life!

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part. Don't forget to create an inventory of your farm structures, and equipment as well.

Every farm is unique. Talk to us today to find out how to get the best price and value on Georgia farm insurance for you.