subject: Farm Insurance Coverage is a Hybrid of Other Insurance Policy Packages [print this page] Farm Insurance Coverage is a Hybrid of Other Insurance Policy Packages
The standard farm insurance policy is a hybrid of homeowners coverage, commercial business insurance and specialty insurance. Homeowners insurancecoversany tangible assets from your home or an apartment, whether you are an owner or a renter. Commercial business insurance provides protection for businesses and their subsidiaries under a single policy.If the farm is a going commercial concern, the owner will want a basic farm policy providing the following basic coverages:
Property Coverage-This coverage protects your home, outbuildings, belongings and some equipment in the event of loss, such as a fire or tornado.
Liability Coverage-This coverage will cover a loss unintentionally caused by you or your employees to another's property or person.
Medical Payments-This coverage will provide payments for medical bills sustained by someone injured on your property.
Additional Living Expenses-If you must relocate from your home due to damage caused by a covered event, then this coverage provides for the costs of things like temporary housing or a hotel stay.
Oakview Insurance Services is an independent insurance agency located in Yuba City. The agency was founded on the principles of service to our clients and community. Our clients have unique needs and we strive to build an insurance program that will best for the individual, family or business we are working with.
As independent agents, we have established long term, solid relationships with some of the top national and regional carriers in the industry. Our experienced staff will be able to provide comprehensive, expert insurance solutions and service towards your farm insurance needs.
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!
The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy -- you wouldn't have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, whether it's for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it's up to you to make the final choice.
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