What Does Farm Equipment Insurance Cover?

As a farmer, your equipment is likely one of your most significant investments. If your tractors, combines or other major farm equipment breaks down, the cost of repairs and replacements could cause serious financial hardship. Finding the right farm equipment insurance can help protect your assets from damage. 

We’re here to help you find the farm equipment insurance you need. Contact Zachman Insurance in St. Michael, Minnesota, to learn more about our coverage solutions.  

What Is Farm Equipment Insurance? 
Farm equipment insurance, sometimes called tractor insurance, is an insurance policy for equipment. It can help pay for damage to your farm equipment if it’s damaged or destroyed or causes property damage or bodily injury to a third party.  

What Does Farm Equipment Insurance Cover? 
The following are some common equipment that may be able to be covered with your farm equipment insurance policy: 

• Combines 
• Tractors 
• Planters 
• Farm office equipment 
• Wagons 
• Sprayers 
• Irrigation equipment 
• Tools and supplies 

Additional equipment coverages may be available. You may also be able to purchase blanket coverage, which will provide coverage for all of your equipment up to a certain amount. Speak to your insurance agent to learn more.  

What Does Farm Equipment Insurance Protect Against?  
Although individual policies may vary, farm equipment insurance will generally protect against the following causes of loss: 

• Collision 
• Vandalism 
• Theft 
• Hail 
• Wind 
• Fire 
• Lightning 

Your farm equipment insurance may also provide liability coverage, which can help pay for legal fees or medical bills if your farm equipment causes third-party property damage or bodily injury. 

Where Can I Buy Farm Equipment Insurance? 
Get started with the right protection. Contact Zachman Insurance today to learn more about our farm equipment insurance and get an insurance quote. 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.