Basic Protection: What You Need to Know About Farm Insurance

Downton Abbey is a period drama series set in the early 20th century, created and co-written by Julian Fellowes. The show aired on ITV in the United Kingdom on 26 September 2010 and in the United States on PBS, which supported the production of the series as part of its Masterpiece Classic anthology, on 9 January 2011. The show’s third season sees Matthew Crawley (played by Dan Stevens) having to learn about crop rotation. For many, that episode showed that farming is not that easy.

In the episode, Matthew is seen discussing the topic of crop rotation with his father, Robert Crawley (played by Hugh Bonneville). Robert is initially dismissive of the idea, but after Matthew explains the benefits of crop rotation, he eventually agrees to try it.

Considering their investments, farmers need to invest in crop insurance. It is a vital risk management tool for farmers. It protects them from losses due to factors beyond their control, such as weather conditions, pests, and diseases.

Without farm insurance, farmers would be exposed to the vagaries of the weather and other forces beyond their control. It would make farming a precarious proposition, leading to fewer farmers and less food production.

Basic Facts

Farm insurance protects your buildings, equipment, livestock, and crops. It provides coverage if someone gets hurt on your property or if your farm causes damage to someone else’s property. You can even get insurance to cover the cost of your farm if it has to be evacuated due to a natural disaster. It has three categories, namely:

Home and Belongings Coverage 

As a farmer, you know that your income depends on the health and well-being of your animals. That is why it is essential to have farm buildings and property coverage to protect your animals in an emergency.

Your farm buildings and property coverage will protect the physical structures on your farm and any farm equipment or other property inside or around those buildings. It can include things like tractors, hay bales, and livestock. In an emergency, this coverage will ensure that your animals are taken care of, and your property is protected.

In addition to protecting your animals and property, farm buildings and property coverage can also provide financial protection if your farm is forced to close due to an emergency. This coverage can help to cover the cost of lost income and expenses related to the closure of your farm.

When choosing farm buildings and property coverage, it is necessary to work with an experienced insurance agent who understands the unique needs of farmers. They will be able to help you choose the coverage that best meets your needs and budget.

Liability Coverage 

This policy protects you from any legal responsibility you may have for damages or injuries caused by you or your farm. It can include medical bills, court costs, and even property damage. If the salesperson were to sue the farmer, the farmer’s liability insurance would cover it. This coverage protects farmers from injuries to people on their farm, whether they are invited or not.

Farm Machinery Coverage

Farm Equipment Coverage protects the vehicles and devices used on a farm to grow crops or animals. The coverage is based on the actual value of the equipment, not the replacement cost. It needs to be updated each year as farmers change their equipment.


Farm insurance is necessary for mitigating risk and protecting against financial losses due to unforeseen circumstances. Working with a reputable and experienced insurance agent is essential to ensure you have the coverage you need to protect your farm business.

Protect yourself and your farm by investing in farm insurance. There is no better partner than Crop Insurance Services by AMS. We will protect you and your farm, so call us now to get a quote!

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