Contact Us: ​(936) 327-4364
FIRST COMMUNITY FINANCIAL GROUP, INC.
  • Home
  • Quotes
    • Auto Quotes >
      • ATV Insurance Quote
      • Auto Insurance Quote
      • Classic Car Insurance Quote
      • Golf Cart Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
      • SR22 Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Condo Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Mobile Home Insurance Quote
      • Renters Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Builder’s Risk Quote
      • Commercial Auto Quote
      • Farm Insurance Quote
      • Garage & Garagekeeper’s Quote
      • General Liability Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Pet Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Policy Review
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Golf Cart Insurance
      • Motorcycle Insurance
      • RV Insurance
      • SR22 Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Mobile Home Insurance
      • Renters Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Builder’s Risk Insurance
      • Commercial Auto Insurance
      • Farm Insurance
      • Garage & Garagekeeper’s Insurance
      • General Liability
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
    • Other >
      • Event Insurance
      • Pet Insurance
      • Umbrella Insurance
  • About
    • Our Staff
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Accessibility Statement
    • Insurance Carriers
    • News
    • Blog
  • Contact
  • Home
  • Quotes
    • Auto Quotes >
      • ATV Insurance Quote
      • Auto Insurance Quote
      • Classic Car Insurance Quote
      • Golf Cart Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
      • SR22 Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Condo Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Mobile Home Insurance Quote
      • Renters Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Builder’s Risk Quote
      • Commercial Auto Quote
      • Farm Insurance Quote
      • Garage & Garagekeeper’s Quote
      • General Liability Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Pet Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Policy Review
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Golf Cart Insurance
      • Motorcycle Insurance
      • RV Insurance
      • SR22 Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Flood Insurance
      • Landlords Insurance
      • Mobile Home Insurance
      • Renters Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Builder’s Risk Insurance
      • Commercial Auto Insurance
      • Farm Insurance
      • Garage & Garagekeeper’s Insurance
      • General Liability
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
    • Other >
      • Event Insurance
      • Pet Insurance
      • Umbrella Insurance
  • About
    • Our Staff
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Accessibility Statement
    • Insurance Carriers
    • News
    • Blog
  • Contact


Farm Insurance

get a quote
Contact Us

What is Farm Insurance?

Whether farming is your occupation or just a hobby, you will probably agree that there's nothing more peaceful than working your own land. Whether you are thinking about selling produce from your garden at the local farmers market or making your farm your full-time job, it is important to make sure that you understand the ins and outs of farm insurance coverage. Insurance experts share 7 things that you might not already know about farm insurance policies.

Your Standard Homeowners Policy Covers Some Farming Activities

Many treat their large garden or small farm as a hobby and have no intention of making money. If you fall into this category, it’s possible that your standard homeowner’s insurance policy will cover some of these farming activities. But keep in mind that homeowners’ insurance policies generally exclude things like farm equipment and farm outbuildings. Make sure to speak with your local insurance agent to find out precisely what coverage your homeowners policy provides.

​If You’re Farming for a Profit, You May Need a Different Type of Policy

Hobby farming for a profit requires different coverage than your basic homeowner’s policy. If you begin selling farmed goods at a local farmers market, for example, you’ll want to consider a hobby farm policy.

​If Farming is Your Full-Time Occupation, You Will Need a Farm Owner’s Policy

If you want to take your hobby even further and start farming as a full-time occupation, you’ll need farm owner’s insurance coverage. A basic farm owner’s policy generally includes property coverage, liability coverage, and more.
​
To better protect your livelihood, this basic coverage should be modified with endorsements based on your farm's unique needs. Your local insurance agent will be able to help you determine what types of endorsements will best fit your farm's needs.

​Farm Insurance Coverage is Not Standard

​A common misconception about farm insurance is that a policy is one big bundle of predetermined coverages. Farm insurance policies have so many different aspects that there is no standard policy. Each farming operation is unique, and a policy should be custom built for the needs of the farmer.

​Some Coverage has Limitations on Commercial Structures

​Homeowner policies generally limit coverage on commercial structures, while hobby farming policies, like our Country Estates Program, and farm owner's policies do not. For example, if a building is being used in a manner that exceeds the special limits set forth in the policy conditions (usually in the form of gross annual revenue generated), the building is then considered a commercial building and may not be covered under a homeowner’s policy. The same concept applies to all the owner’s activities.

​You Need Special Coverage for Livestock

​Livestock insurance is like crop insurance and is partially funded by the United States Department of Agriculture. Depending on the types of animals you have on your farm, you will likely require special coverage for livestock. A few options to consider include individual coverage, as well as blanket coverage.
  • Individual Coverage (Scheduled): Scheduling animals individually may be the right option if you have higher-valued animals that you want to cover up to a specific dollar amount.
  • Blanket Coverage (Unscheduled): With a blanket policy, all your farm property (livestock, equipment, structures, etc.) is insured in one lump sum amount. When using blanket insurance, make sure to insure to adequate values, as being under-insured could result in a lower claim payment than you need or expect.

​Keep in mind that the maximum amount payable per head is dependent upon your choice of insurance (i.e., individual or blanket), so be sure to talk to your insurance agent about which option will work best for your operation.
(936) 327-4364
115 W. Polk St.
Livingston, TX 77351​
Click Here to Email Us

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Connect With Us

Share This Page

Contact Us

First Community Financial Group, Inc.
115 W. Polk St.
Livingston, TX 77351
(936) 327-4364
​Click Here to Email Us
Review Us

Location

Picture
Lake Livingston State Park Dock photo by Larry D. Moore | CC-BY-4.0 |  Website by InsuranceSplash