Reviewing Your Farm Insurance Needs Before Summer Weather Hits

Weather risks can affect property, equipment and crops. As summer approaches in Ohio, farm owners may need to review their insurance coverage to make sure it meets their current needs. Insurance Associates can help you stay prepared and manage potential risks.

Key Areas to Review in Your Farm Coverage

Consider the following when reviewing your farm insurance:

• Property: Make sure your barns, sheds and other structures can cover current replacement costs.
• Equipment: Your policy may need updating to reflect any new machinery or vehicles added since your last review.
• Crop Insurance: Evaluate your crop coverage options, especially if you plan to plant new varieties or expand acreage.
• Liability: Confirm your liability limits can cover accidents or injuries that may occur on your property.
• Livestock: If you have livestock, your coverage may need to account for the current herd size and any recent changes.

Seasonal Preparedness Tips for Farmers

These steps may help reduce damage to your farm:

• Inspect structures: Check barns, sheds and fencing for wear that can worsen during storms.
• Secure equipment: Store or anchor machinery that may be affected by high winds or hail.
• Review emergency plans: Have a severe weather plan that includes livestock evacuation routes.
• Document assets: Keep photos and records of property, equipment and livestock up to date to simplify claims.
• Clear drainage areas: Remove debris from ditches and gutters to reduce the risk of flooding.
• Check backup power: Make sure generators are working in case of outages.

Get Covered Today

We can help you find suitable coverage options. Contact Insurance Associates to request a free custom 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.