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Farm-Owners vs. Farm Properties - Which One fits

Updated: Nov 5

What is Considered Farm Properties


Ellerhorst Russell Insurance offers great programs from several amazing providers. Wayne Insurance Group’s Farm Properties program offers the flexibility to help you craft the ideal program to protect your home, your belongings, your farm buildings and farm personal property. Perhaps your farm doesn’t qualify for a Farmowners policy, or perhaps you don’t feel you need all of the coverages automatically included in packaged policies. Our Farm Properties program offers a variety of options for farmers who own a one- to four-family home, a modular (manufactured) home or a one- or two-family mobile home. We can provide policies that cover only your farm personal property and/or farm structures as well. These programs are designed to meet your specific needs, based on the age, condition, construction and other features of your home and farm.

Property and Liability

Farm Properties program can include protection for the following:

  • Damage to your home from fire, lightning, vandalism, windstorm, hail, explosion, smoke and other causes of loss. This includes coverage for living expenses if you have to relocate temporarily after a covered loss.

  • Loss, damage or theft of your belongings, including clothing, furniture and appliances

  • Damage to other structures on your premises related to the home (such as a garage, pool or storage shed)

  • Loss or damage to farm barns, buildings and structures

  • Loss or damage to farm personal property (equipment, tools, machinery, livestock and farm products)

  • Bodily injury or property damage you might cause to others

Optional Coverages

A wide variety of optional coverages are available to meet your specific needs. These can include coverage for:

Theft
Personal items (such as jewelry, watches, furs or money)
Loss of refrigerated or frozen foods
Equipment breakdown
Service lines
Water backup and sump overflow
Replacement value on personal property
Personal injury (such as libel, slander or invasion of privacy).

Why You Should Consider Getting Farm Insurance With Ellerhorst Russell Insurance Agency LLC


At ellerhorst Russell Insurance Agency, you can have the protection you need with our different offerings for farm owners. Your farm is more than just your business, it is your livelihood. We make sure to take the time with you to understand everything about you and your farm. We make sure to offer you the right protection, with years of experience in the farming community we have the experience required. Our agents will work with you to put together a custom farm policy and make sure you have the right coverage.

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