Did You Know?
If your child is interested in participating in club livestock shows, you might be wondering if you need to replace your Home policy with a Farm & Ranch policy. Most homeowner’s policies will allow for a show animal type risk, provided it is not a year round exposure.
Frequently Asked Questions
A home policy is designed for a property with minimal acreage and no farm or ag exposure. An F&R policy is designed to cover a property from just an acre to thousands of acres and the farm/ag exposure that comes from that risk.
There is no true acreage minimum or maximum, just that a property has some kind of a farm/ag exposure. Raising livestock, hunting, and agribusiness, such as farming or dairies, qualify the property for an F&R policy.
Yes, an F&R policy takes into account that many risks will be out of town and far from fire hydrants or the responding fire department.
An F&R policy is designed to provide liability to others for animals on the property. If a cow wanders onto a roadway and is hit by a car, the liability of the property owner for that animal is covered.The actual damage to the animal is not typically covered under an F&R policy but some may be endorsed to provide some coverage for the actual animal.