Three Reasons Why Farmers Need Good Insurance

Many people think of farmers as those who work long hours to grow crops before harvesting and selling those crops to others. As a farmer, you know that the work involves much more than that. You need to get up early to feed and take care of your animals, check the crops for any signs of infestation or rot, plant new crops, harvest the crops that you grow and do dozens of other things every day. While you might think that you can get by with a basic insurance policy, there are a few reasons to invest in a good policy.

automatic cattle gates

Animal Destruction

Farms around the world use automatic cattle gates and similar systems to corral and keep track of animals. These gates unlock quickly to help you get to your animals and move them to a nearby pasture. When you use the wrong type of system or have a system that fails to work properly, those animals can get outside and destroy neighboring yards. You also risk those animals becoming injured while roaming through the countryside. A solid insurance policy will cover both your animals and any of the destruction that they do.

Farming Accidents

No matter how safe you are, an accident can happen at any moment. You can easily trip over a hole that a wild animal dug on your land and break your leg, which will leave you out of commission for a few weeks or longer. Accidents that occur on your farm can injure others too. When looking at insurance policies, make sure you choose one that protects you and your guests. Those policies will pay for hospital bills and other costs associated with the accident. Some may even give you money to pay for help until you get back on your feet again.

Storm Damage

Insect infestations aren’t the only thing you need to worry about when farming because storms can also damage your crops. Those storms can rip up your crops before harvest time, make the food and water that your animals need unsafe and cause damage to your home and any outbuildings on your property. Having insurance lets you seek compensation for the repairs that your farm needs. A good insurance sales rep will show you all the policies that are suitable for farmers and help you pick one just right for your whole farm.