I carry general farmowners and auto with Kentucky Farm Bureau. Its reasonable and covers perils to buildings and equipment like collapse, snow, wind, water sometimes (water coverage is fickle here, if its flood you have to have national flood insurance), fire, theft, and vandalism. Building coverage runs about 10 bucks per thousand in coverage, machinery and equipment between 6 and 7 dollars per thousand.
A general farm owners policy with them also provides coverage for utility damage, environmental clean up, liability, medical payments to others, etc. Since it just gives 300,000 in base liability I buy up a rider for an extra 1M in general lines liability coverage. All in all I have been very pleased with them. It is a member owned company, and over the years I've collected on several claims, big and small.
I dont try to insure for everything or at full value, the bill not counting vehicles is over 3000 a year as it is. Instead I try to cover the buildings at what a replacement functional building would cost.
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Today's Featured Article - Women and Tractors - More Views From the Farmer's Wife - by Teri Burkholder. The top ten reasons why the judges wouldn't let you participate in the stock antique tractor pull: Hey, this is stock! It came with that V8 in it! That "R" on my tires stands for "really old" not radial! Blue gas? We thought it was a pretty color! What wire hooked to my throttle?
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