Farm Equipment can be included on your farmowner insurance policy by adding it as scheduled farm personal property.  By individually listing each piece of machinery and accurately insuring it to the correct value you can provide coverage from:

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• Fire

• Theft

• Windstorms or Hail

• Vandalism

• Theft

• Collision

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This coverage protects only the items you chose to cover by "scheduling" them on the policy.  An item will only be covered if it is listed on the policy.  As equipment depreciates, the coverage can be adjusted so that the item is properly insured.  Coverages such as rock ingestion can be added to protect you while harvesting. 

 

Some of the popular items to schedule include but are not limited to farm machinery like tractors and combines, grain (including hay), livestock, and farm tools.  If you have a claim on these items the loss will likely be paid on an Actual Cash Value loss settlement.  

 

 Clark Carroll Insurance Agency provides Farm Owner's Insurance solutions around the area of Mt. Carroll, Lanark, Shannon, Milledgeville, Chadwick, Lake Carroll, Savanna, Thomson, Pearl City, and many more areas in Northwest Illinois.