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FARMER INSURANCE ADVICE
 

Sometimes we are unaware of what coverages we have with our farmers insurance until we file a claim and find out too late that we weren't covered for a particular loss. Owners of farm machinery, combines and tractorss may be surprised to learn that neither their farmers insurance nor their auto insurance covers them for any loss associated with these items.

INSURANCE FOR FARMS GUIDANCE

Non-traditional (or inland marine as some policies are called) insurance is a custom sector of insurance dealing with properties and items that would not traditionally fall under a typical property or automobile insurance. Such items include boats, snowmobiles, ATV's and person watercraft.

You may find that your current insurance company does not even write policies for these types of goods, in which case you will need to check out a specialty insurance company.

Consolidated Insurance of Caledonia, Michigan is just such an insurer. Insuring everything from mobile homes to motorcycles Consolidated offers a wide variety of policies that protect non-traditional goods that farmers policies simply don't cover.

With agents across the United States, Consolidated is a leader in issuing policies that cover losses against such goods. Consolidated is part of Farmers Insurance Group, a trusted name in both farmers and auto insurance throughout the U.S.

There are also things you can do to lessen your chances of having an accident on the farm. Be more careful than you used to be - particularly where vehicles are parked closely together, and other vehicles can appear out of nowhere. Take a bit more time manoevering and turning to make sure that there is definitely no one coming. You can swivel your shoulders rather than just your head to get a really good look at both sides of your farm vehicle.

Accidents happen no matter if we are in our home, car or riding our ATV. By making sure you are covered you can prevent a small accident from becoming a financial nightmare by making sure you have the correct farm insurance coverage no matter what you might own.

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