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  • Our Promise to You
  • Get a quote
    • Make a Payment
    • Accessibility Statement
  • Personal Insurance
    • Personal Auto Insurance
    • SR22 Insurance
    • Home Insurance
    • Condo Insurance
    • Renters Insurance
    • Mobile Home Insurance
    • Farm Insurance
    • Home Warranty Appliances
    • Home Warranty Utility Lines
    • Vacant Property Insurance
    • Motorcycle Insurance
    • ATV Insurance
    • RV Insurance
    • Watercraft Insurance
    • Flood Insurance
  • Business Owners Insurance
    • Commercial Property Insurance
    • General Liability Insurance
    • Umbrella Liability Insurance
    • General Contractors Insurance
    • Builders Risk Insurance
    • Landlord Insurance
    • Artisan Insurance
    • Barber Shop Insurance
    • Hair Salon Insurance
    • Restaurant Insurance
    • Special Event Insurance
    • Surety Bonds
    • Workers Compensation
  • Commercial Vehicle Insurance
    • Dump Truck Insurance
    • Tractor Trailer Insurance
    • Motor Truck Cargo Insurance
    • Trailer Interchange Insurance
    • Tow Truck Insurance
    • Waste Haulers Insurance
  • Life Insurance
    • Final Expense Insurance
  • Locations
  • Join Our Team
  • Agent Login

Farm Insurance to fit your budget and needs

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Low Cost Farm Insurance

Should I Get Farm or Ranch Insurance?
The first step in determining whether you need farm or ranch insurance is knowing if you live on one. A standard homeowners insurance policy might not give you adequate coverage if you do. To help you decide if you need a farm or ranch policy, we’ve broken down some determining factors. If you answer “yes” to any of the questions below then you likely need a farm insurance policy.​
Additional structures: Are there additional structures on your property, other than a pool or a garage? If so, you might need a farm insurance policy. Typically, additional structures that would be covered by a farm policy include barns, sheds, stables and other buildings. If you are using a small building, such as a garage or greenhouse, to grow crops or plants for sale then you should consider a farm insurance policy. However, if the revenue from the commercial activity does not surpass the incidental income limit of your homeowners insurance policy, you do not need a farm or commercial insurance policy.
Workers on the property: Does anyone work on your property? According to the 2012 U.S. Census, the average farm in the country spans 434 acres. That can be a lot for a single family to manage so, not surprisingly, many farms employ people to work at them. Whether they are harvesting agriculture or tending to livestock, workers are a liability if they are performing job tasks on your property. Some states even require there to be a workers compensation policy in place if there are two or more workers.
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​Types of animals: Have something larger than a dog or cat? Many people have pets or animals but what types you have, and especially what you do with them, helps determine if you need a farm insurance policy. For example, even stabling a few horses for someone can create a business exposure to the policyholder - a situation that might call for farm insurance.
You probably don’t need farm insurance if you you have only a few hens or a pet pig. Again, even if you were selling the eggs the hens were laying or planned to sell the pig for slaughter, it’s unlikely the revenue would surpass the incidental income limit of your home insurance policy. Once you scale it to a larger business, however, then farm or ranch insurance should come into play if you're looking for protection. You could purchase a pet health insurance policy if it were especially important to you - dogs, cats or other animals, including pet pigs are insurable.
​WANT TO OPEN YOUR OWN LOCATION?
​Our turn-key operation is a one of a kind in the industry. We offer high commissions and renewal payout rates, as well as access to more than 50 competitive insurance companies.
JOIN OUR TEAM
Gene Ruggerio, President, and Allen Vest, Vice-President, invite you to schedule your own virtual/phone consultation in learning more concerning: how/what/when and most importantly why you should make the switch to being an independent agent today. Contact Gene or Allen at (205) 776-1680.
​Alabama Insurance Agency, Inc. and ALASTAR Insurance Agency, LLC has perfected the agency/owner model of managing and operating an Independent Insurance Agency. Our agents focus on client relationships, building a sales force, and operating a profitable agency in which they have an ownership interest. ​