How to handle people trespassing?

[Bowman85]

Would I get the Farm policy from my local insurance company, say statefarm?

 

[farmerjan]

Yes, if they offer it. Otherwise you may have to go to someone like Farm Bureau Insurance...We have a group here called Rockingham Ins. that specialize in farm policies also. Just ask them, if they don't do it then ask them who does or go online and check. Some are way out in left field for costs too.

 

[Baymule]

Yes, definitely shop around. Cheaper is not necessarily better, you do want them to pay the claim if there is one. But you don't need to get your head torn off either.

 

[Bruce]

Or Nationwide. Turns out they STARTED as a farm insurance company.

"In 1955, Farm Bureau Mutual changed its name to Nationwide Insurance, a name by which it is commonly known today."

 

[Latestarter]

Nationwide claims to be "member owned" but last time I priced them they were exorbitantly high. I mean almost double my lowest quote. Same with the much advertised and touted USAA... their insurance quote (for me/in my case) was ridiculously high. I used an insurance broker for my insurance here, and ended up with a home owner's policy instead of a farm/ranch policy. I think the cost of that was ridiculously high at $1800/yr and after the new year I'll be looking to change over to something more reasonable in a farm/ranch policy.

 

[NH homesteader]

Nationwide around here has even canceling a lot of people's policies for idiotic reasons. Like they expect barns to be Taj Mahals. Guess that's what happens when the insurance agent has never farmed a day in his/her life.

 

[Bruce]

My barns are too ancient and in not good repair so Nationwide wasn't interested. Liberty Mutual considers them outbuildings. They aren't insured for replacement (I don't think the company would be interested given what it would cost to replace barns that are made with hand hewn posts and beams).

 

[greybeard]

https://www.txfb-ins.com/services/farm-and-ranch/country-living
https://www.txfb-ins.com/about-us/company-information

I neither endorse nor denounce this company.

 

[misfitmorgan]

Try talking to your Ag Extension office or Farm Service Agency for your state, they should be able to help you find local agencies that offer farm insurance and they also offer crop insurance and a bunch of other stuff....good people to talk too. FSA are the ones helping us file for our loan for the farm.

https://www.fsa.usda.gov/