Farm and Ranch

Mar 6, 2024

City folks may think farming is just a simple life, but farming today is more complex than ever.

If you are uncertain about what your policy currently covers, if you have altered your farming processes from when you first got your policy, or if you’re concerned about increasing weather risks to crops, we can help.

We are farm insurance experts who will make sure your farm operations stay protected by faithful insurance. We have custom-fit policies for whatever Mother Nature (or her attorney) can throw at you, including:

  • Traditional production farms and ranches
  • Extra protection for expanding farms and ranches with commercial exposure
  • Smaller farms and rural acreage
  • Customization that fits the specific needs of your operation (see coverage options below)

What’s covered?

A base policy typically protects farm homes, buildings, machinery, equipment, and livestock (all the coverage the average farm and ranch operations require.) We can discuss optional coverages to tailor fit your exact needs, assuring you only pay for the protection you need, and nothing more.

Coverage for Your Farm or Ranch may also include:

  • Disruption of farming operations in case of extra expenses and loss of income caused by a covered loss to a building or piece of equipment.
  • Identity fraud expense coverage that can reimburse you for covered expenses incurred in restoring your identity.
  • Earthquake coverage for farms and ranches with fault lines nearby.
  • Farm machinery and equipment replacement coverage for equipment up to five years old.
  • Peak season coverage endorsement for harvest times, or when you have greater than average quantities of product in storage on your property.
  • Sewer/sump pump backup… just in case.
  • Temperature sensitive endorsement for covering temperature-sensitive products, because of a temperature control fluctuation.
  • Household property protection for your household contents, including gold, furs, firearms, electronics, and more.

RCI is here to make sure your farm or ranch are properly insured.