When you own a farm or ranch, obtaining the right insurance policy is crucial to protect yourself from damage and unforeseen events. While farm and ranch insurance policies are robust, they are not all-encompassing. At Rasor Insurance, we help clients throughout Celina, TX, find the right insurance policies tailored to their needs and lifestyle.<\/p>\n
Similar to home insurance, farm and ranch policies often exclude damage caused by floods, earthquakes, and other types of earth movement. If your property is near floodplains, unstable soil, or rivers, you may need a separate earthquake and flood policy to ensure adequate protection.<\/p>\n
Insurance is designed to cover sudden, accidental losses, not damages caused by rust, rot, mold, or poor maintenance. Traditional wear and tear is typically not covered under farm and ranch insurance.<\/p>\n
In some cases, certain livestock losses may not be covered. Common exclusions include:<\/p>\n
If you hire employees, it is recommended to obtain workers’ compensation insurance. Farm and ranch insurance usually does not cover injuries sustained by employees while working on the property.<\/p>\n
Understanding what farm and ranch insurance does not cover is just as important as knowing what is<\/em> covered. The more familiar you are with your policy and its limitations, the easier it will be to make an informed investment that provides peace of mind. If you’re a farmer or ranch owner in Celina, TX, we can help. For more information about your existing farm and ranch insurance, contact Rasor Insurance for your quote and consultation today.<\/p>\n","protected":false},"excerpt":{"rendered":" When you own a farm or ranch, obtaining the right insurance policy is crucial to protect yourself from damage and unforeseen events. While farm and ranch insurance policies are robust, they are not all-encompassing. At Rasor Insurance, we help clients throughout Celina, TX, find the right insurance policies tailored to their needs and lifestyle. Floods […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[25,22,32,13,26],"class_list":["post-142","post","type-post","status-publish","format-standard","hentry","category-farm-and-ranch-insurance","tag-celina","tag-farm-and-ranch","tag-insurance","tag-rasor-insurance","tag-tx"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t