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Residence on insured premises, additions, built-in components, fixtures, and construction materials and supplies
Detached garages, pools, driveways, fences and other permanently installed outdoor fixtures within 250ft from the residence
Personal property owned by you or in your care, such as jewelry, computers, firearms, or silverware
Reasonable increase in living costs if your residence is unfit for use through damage or loss, or lost income coverage if the residence is being rented to others
All the other farm-related buildings, such as barns, silos, tenant-occupied dwellings, portable buildings, private greenhouses, winery buildings, and more
Owned, rented, or borrowed machinery and equipment; farm products and supplies; poultry and livestock (can be scheduled on a per-animal basis or an entire class)
Property such as hay, silage, feed, livestock, machinery, equipment and other supplies
Virginia Farm Bureau Insurance is able to provide Farm Umbrella policies to protect your assets if there’s an accident or injury on your property.
Depopulation Coverage can help cover lost earnings for most domestic poultry including:
Quarantine CoverageProvides coverage for income lost when an insured location is quarantined due to avian influenza.
Dependent Location CoverageCan reimburse lost earnings if supply chain infrastructure is contaminated.
Deductibles are determined per occurrence rather than per location if the loss occurs in multiple areas.
Covers the extra expense incurred to continue normal farm operations because of an insured loss or damage to insured property. For example, the expense to rent substitute machinery following a loss would be covered.
Covers loss of farm income due to the necessary suspension of farm operations because of a covered loss to farm barns, buildings or structures. The loss of earnings due to a fire to an insured building would be covered until the structure is replaced.
Farm personal property such as grain, hay or livestock can be insured for increased amounts for specified periods of time.
Coverage for barns buildings can be expanded to provide protection from a variety of perils.
This covers the actual cost of replacing or repairing a damaged barn or building.
Provides liability protection for business ventures outside of traditional farming activities such as corn mazes, wagon rides, pick your own, snow removal with farm equipment, and bed & breakfasts.
Your farm may benefit from scheduled or un scheduled coverage depending on its size, complexity, and insurance needs. Talk to your agent about what is best for your farm.
Depending on how your vehicle is used, it may not be insured under your farm equipment coverage. Talk to your Virginia Farm Bureau Agent to make sure you are fully covered.
Yes! Your home, as well as the personal property inside it, are covered according to the policy terms under a Farmowner policy. Ask your agent for more details.
Umbrella insurance isn’t only for the wealthy. Having an umbrella policy keeps a massive lawsuit from wiping out all your other assets. The amount of these policies varies based on what you’re protecting.