The Basics: Farm & Ranch Insurance

A farm or ranch isn’t like a typical nine-to-five business, which is why we offer many options to ensure your needs are covered. Farm & ranch lines of coverage are detailed and flexible, so you can get covered for certain things like a farm fire, leasing property, constructing a new farm and more. To begin, here are four lines of coverage that you may want to learn more about!

Our farm & ranch line covers items from farm buildings and structures to employer’s liability and animal collision. The policy can also cover things like farm personal property, dwelling, and personal liability. There are multiple coverage options and features available under this policy that are customizable to fit your needs. 

Farm Implement

While the Farm & Ranch policy covers machinery, equipment, supplies and other property owned materials, the farm implement policy covers loss or physical damage to farm implements. Farm implements can include combines, hay balers, cotton pickers, plows, seed drills, etc. Additionally, we offer liability coverage, which helps in the case of a liability claim or lawsuit. 

Farm Auto

Your vehicles are essential to life on the farm. Our Farm Auto policy covers vehicles like a pickup truck, farm truck tractor, trailer and more. If it’s used for farming or ranching, then it can be covered under this policy. Just like when driving a car for personal use, driving accidents can also happen on the job. Our Farm Auto Insurance is flexible, so it can be adjusted to cover your exact needs. Coverage options can include:

  • Comprehensive coverage
  • Collision coverage 
  • Liability 

Crop

No matter what crops you grow, we’re here to help ensure your operations are protected from the elements. Crop Insurance covers crops in the case of unpredictable events, like a heavy hailstorm or tornado. Like Farm & Ranch coverage, our Crop Insurance policy has multiple options and features. Crop Insurance is flexible and detailed, covering options like livestock risk protection, nursery, and annual forage.

Check out our farm and ranch FAQ’s to learn more about our insurance coverage options. Ensure your farm or ranch has the protection it needs by contacting an agent.

Farm Equipment Maintenance Tips

Routine maintenance is important for ensuring the longevity of a car, home and even machines. Here are three things to remember when conducting maintenance on farm equipment!

Schedule

Setting time weekly, monthly or every season to schedule equipment maintenance can help keep farm equipment running in its best condition. Keeping equipment in good shape helps keep your farm running smoothly throughout the year. One option is to schedule maintenance pre-planting, pre-harvest, and in the off-season. This can help ensure your farm equipment is ready for use when needed. 

Inspect

Conducting an inspection can save time in the long run, can help keep you on schedule and help reduce any surprises while on the job. If you’re not sure where to start, reading the owner’s manual can help. Common inspections can include:

  • Testing lights, signals and hazards
  • Inspecting tires and wheel bearings
  • Checking fluids and coolant levels
  • Lubricating chains and cables

Routine Upkeep

Similar to inspections, doing routine upkeep might help prevent a loose fastener from causing big damage. Routine upkeep could include:

  • Replacing worn-out tools or parts
  • Cleaning dirt and debris
  • Filling the tank with fuel
  • Checking or taking note of any possible leaks

Along with taking care of your farm equipment, ensure your farm or ranch has the protection it needs with a Farm & Ranch Insurance policy. Contact an agent today to see how much coverage you may need. As an added bonus, OKFB policyholders are eligible for member benefits that could save you money on farm and ranch equipment.