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Farm Insurance
As a farm owner, you have a great interest in protecting your property which serves as a home and a business. Whether you are a full-time farmer or farm as a hobby or specialized farmer, Ayres-Oak Insurance Services can offer a comprehensive farm owners package that is flexible to your specific farming needs.
Our Farm Owners Insurance Program can offer the following coverages:
Property Coverage
- Dwelling- ACV or Replacement Cost
- Personal Property- ACV or Replacement Cost
- Farm Outbuildings- ACV or Replacement Cost
- Farmowners Personal Property
- Business Income
- Standing Grain
- Limited Pollutant Clean Up
- Leased & Borrowed Farm Machinery
- Equipment Breakdown
- Damage to Crops & Fences
- Recreational Vehicles
- Off-Premise Power Failure
- Peak Season
- Spoilage
- Livestock
- Farm Property Broadening Endorsements
Personal & Farm Liability
- Personal Liability
- Farmowners Liability- including premise, products & operations
- Medical Payments to Others
- Damage to Property of Others
- Limited Pollution Coverage
Automobile
- Personal & Farm Vehicles
- Auto Liability
- Physical Damage
- Hired Auto Liability & Hired Auto Physical Damage
Workers Compensation
- For full-time, part-time or seasonal employees
Umbrella
- To provide an extra layer of liability coverage over your personalĀ & farming exposures
- Orchards
- Hobby/gentleman farms
- Dairy farms
- Sod farms
- Aquaculture farms
- Specialty farms (alpacas, llamas)
- Grain farms
- LivestockĀ