We Cover Your Farm

Growing with America’s Farms

summer farmFrom the full-timer to the hobbyist, a family business to a commercial franchise, Keystone National Farmowners’ Insurance has the coverage for your kind of farming. We’re the small-business specialist, which includes the traditional family farm and entrepreneurs who grow crops and raise livestock to supplement their income.

Keystone National coverage for farming operations may include the home or primary residence itself, as well as other structures on the property that are not for farm use. Then there is the personal property contained in the home, as well as a provision for additional living expenses. Then comes the business part of the operation — all farm barns, buildings and structures, as well as personal property directly related to farming. That would generally include significant farm equipment ranging from tractors to barn cleaners, as well as livestock and produce.

The farmer may want protection for personal liability and liability for anything related to the farm premises. The basic package might also include medical payments to others who may be injured, whether they are employees, customers, family members or visitors.

Agriculture runs a particularly high exposure or risk to so-called “adverse natural events,” whether it is weather, disease or insect infestation, and that can directly affect production and, ultimately, the farmer’s income. Risk management has become a necessity in a business so vulnerable to forces beyond the farmer’s control. Typical options provided by Keystone National include coverage from fire, lightning, wind storms and hail, with provisions for livestock loss from earthquakes and floods, electrocution of livestock, collisions and accidents of loading and unloading.

Comparisons of coverage are highlighted in a perils chart with forms denoting basic coverage and additional coverage options.

What about Other Farming Risks?

rural farmFor farming and residential properties that do not meet the requirements of basic farmowners’ coverage or require something more, there is Farm Fire Insurance. This is generally for property loss only, though liability coverage may be obtained, and includes the four basics: damage to the home, damage to other structures on the property, damage to the personal property of the insured and additional living expenses based on fair rental value if the home is unfit for habitation.

As is the case with its home and business coverage, Keystone National does offer protection for renters—in this case tenants in dwelling on the premises, including mobile homes—through Farm Fire Insurance. Owner-occupied dwellings may also be covered if they do not qualify for the primary farm insurance. Other types of dwellings covered are homes under construction, seasonal dwellings and vacant and unoccupied dwellings.

You may want to refer to the perils chart that applies to this insurance plan for quick comparison of what may be included through extended and broad coverage options.  If you need to know more, check out Find An Agent to find one of our agents near you.

Did You Know?

In dealing with claims, KN relies on a network of adjusters with Chief Claims Officer Dave Schweitzer at the helm. Schweitzer says there were about 2,200 claims between TW and Keystone National Insurance Company in the previous year, with in-house adjusters handling about 58 percent of them. The rest are handled by independents, a number of whom have draft authority of up to $5,000 for quick payment of damages.