Farm Insurance

Farm Insurance Quote Forms

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Farm Quote Request

Farm Insurance Information

It is Your Livelihood. Make Sure It is Protected

Whether you are a local grower or a large cultivator, we understand the value of insuring your greatest asset. At Goggans Insurance, we are dedicated to providing the agricultural coverage and services you need to keep your farm or ranch protected – so you can focus on maintaining a smooth operation.

We know that you work hard as a farmer, and at Goggans Insurance we want to extend that same courtesy to you by keeping your farm and everything on it insured. Our insurance specialists are sensitive to your individual needs and will work with you to find a policy that best suits your farm or ranch.

Designing a specific policy with us gives you the options of coverage in the following areas:

Crop Insurance
Farm Owners Insurance
Farm Livestock Insurance
Equine Insurance
Farm Equipment Insurance
Farm Dwelling Insurance
Farm Structures Insurance
Farm Auto Insurance
Farm Umbrella Insurance
Farm Liability Insurance

What Is a Farm Insurance Policy?
A farm insurance policy provides financial protection to help cover liability claims and property damage after a covered event.

Farm insurance may include coverage for livestock, farm machinery and equipment, farm liability and farm products. It’s crucial to evaluate your farm’s potential needs carefully as you set up your farm insurance policy. For example, you may need to add coverage for employees, secondary structures or income-earning livestock. Your agent can help you tailor your farm insurance to help provide appropriate coverage.

Why Farm Insurance?

Your farm is your livelihood, and you can never be too cautious. Since an accident can happen when you least expect it, it is important to be prepared when potential problems arise. By being proactive with a proper farm policy, your equipment, buildings, and even lost income can be covered in the event that an unforeseen circumstance disrupts your operations.

You’ve worked hard to build your farm into a business. Goggans Insurance will work even harder to ensure that your business is protected.

We provide insurance solutions for farmers near Fort Payne, Rainsville, Scottsboro, Boaz, Centre, and Japser.

What Does Farm Insurance Cover?
There are many insurance options for farm owners. These include the following:

Farm liability insurance—If your farm operations cause bodily injuries or property damage to others, this coverage may help you compensate them for their losses (e.g., medical bills). It may also help pay for legal fees that arise from these claims.
Farm structures insurance—Several structures and outbuildings such as barns, silos, and sheds may be a vital part of your operations. This coverage may provide protection if they are damaged by covered events such as fires, lightning or windstorms.
Farm dwelling insurance—If you live on your farm, this coverage may protect the structure of your house if it is damaged by a covered peril.
Farm equipment and tractor insurance—Tractors, combines and other farm equipment, such as pumps, sprayers and planters, are valuable assets vital to many farming operations. This coverage may help pay for repair or replacement costs if they are damaged by a covered cause of loss.
Commercial auto insurance—Commercial auto insurance may provide coverage for vehicles owned or utilized by your farm if they are damaged or in an accident. This is a separate policy from personal auto insurance.

Crop insurance—This coverage may help replace lost income if your crops are damaged by covered perils.
Farm livestock insurance—For operations with livestock, animal loss could present a significant risk to your operations. This coverage may help mitigate those risks by providing coverage if your livestock is lost due to covered events, such as loading or unloading accidents or severe weather.
Equine insurance—If you own horses, this coverage may provide injury or mortality protection for them.
Umbrella insurance—If a claim exceeds your standard liability limits, umbrella liability coverage may help fill in the gap and cover the remaining costs.
Workers’ compensation insurance—If you hire full- or part-time employees, workers’ compensation may provide funds for medical expenses or supplemental income if work-related injuries or illnesses keep them from working.

Other coverage options may be available, and plans can generally be customized to meet your specific needs. Contact your agent for details regarding available policies, exclusions and limits.

What Does Farm Insurance Cost?
The cost of farm insurance depends on various factors. The size and location of your operations along with your selected coverages and claims history may all affect premiums. The team of professionals at Goggans Insurance can help build a plan that meets your needs and makes sense with your budget. Contact us today to get started.