Farm Insurance 

For Farm & Ranch Owners in Marietta, Kennesaw, Douglasville and Surrounding Areas in North Georgia 

Any farm or ranch owner needs adequate insurance coverage for all their commercial assets. That means combining many standard commercial insurance lines with various specialty policies for the farm’s unique agricultural assets and liabilities. 

Hembree Insurance’s dedicated team can help you determine the best way to structure your insurance portfolio so that you adequately insure all aspects of your farm operations. With our guidance in choosing coverage, you can make the most out of your insurance benefits in case any problems ever arise. Give us a call at or request your free quote online now!  

Common Farm Insurance Questions 

What is farm insurance?

Farmers must keep their farm in prime working order to be able to turn a profit. Still, since even the most well-prepared farmer can’t prevent every type of hazard that might strike, it is important that they have a backup plan. Farm insurance is part of the security blanket you can build for yourself in case of hazardous occurrences on the property. 

You should not have to bear sole responsibility of picking up the pieces of unexpected or unavoidable problems on your farm. With the help of your farm insurance, you can receive financial assistance with many of the costs of your recovery. The right policy can pay for multiple types of property damage and personal liability and property damage that might otherwise call your farm’s security into question.

What does a farm insurance policy cover?

However, you will also specialized coverage tailored to specific agricultural risks. These might include:

Any type of disaster from a wildfire to a tornado could damage a season’s worth of crops. As a result, you could face a significant drop in income. Crop insurance can reimburse you for the loss of property. 

Like crop insurance, livestock insurance can help reimburse farmers for the loss of their livestock. However, since livestock varies in use and purpose, several types of coverage might be necessary. 

For example, when insuring poultry or cattle that you will eventually sell at market, you will need coverage for animals while they are on your property, in transit to and while at market. On the other hand, a high-value animal like a stud might remain on your property. However, it will need mortality insurance in case it dies before you can sell it.

Tractors, combines, trailers, irrigation equipment and other tools not only have significant value themselves, but any loss could put your productivity at risk. You will have to insure each of these items so that you can receive compensation in case of damage, theft or other losses.

How much does farm insurance cost?

The cost of your policy will depend on the risk your insurer assumes by covering you. This risk depends on your likelihood of filing a claim on your policy and causing the insurer to pay on your behalf. As a result, the higher your chances of having to file a hefty claim, the more you might pay for your policy. Several factors might influence your farm insurance portfolio’s costs, such as: 

Using our policy comparison tools, we can review the terms of multiple farm insurance policies to find the one that offers you the most essential coverage at the right price.