Farm Owner’s Insurance

At Coffey Insurance Agency, we can help protect farms and ranches of all types and sizes with different coverage limits and risks depending on the type and size of farm. A farm and ranch policy helps protect your farm or ranch for losses to your home or dwelling, farm property and liability risks.

If your farm or ranch is a business as well, you may want to consider other additional coverages like loss of income, workers compensation, commercial auto and errors and omissions. The different options and coverages for a farm & ranch policy can be confusing, so having an independent agent is advantageous to explain the details.

Farm & Ranch Coverages in Lake City, Michigan

Representing virtually all farm & ranch insurance carriers in Michigan, our policies offer many coverage options so you can balance how much risk you're willing to assume with the premium you're willing to pay.

Most Michigan farm & ranch policies cover:

• Home protection - in the event of wind, fire or hail
• Home belongings
• Liability protection
• Injury to another person or property damage

• Livestock
• Legal defense
• Can also cover barns and other structures

Why Get Farmer’s Insurance?

As a farm owner, you know that many elements can impact your business every year. You’re at the whims of weather, soil, and pests—all of which can impact your yields whether your products are agricultural or livestock. Because your output can fluctuate year to year, you need to be prepared to handle the potential losses of a bad year. To prevent that burden from falling on you, invest in farm owner’s insurance.

With Coffey Insurance Agency, you can partner with a reputable insurance company that looks out for your well-being. We understand how difficult it can be to rely on nature for your livelihood. That’s why we make farm owner’s insurance as stress-free as possible. Reach out to us to get help from a company that understands your business and will provide you with security when you need it.

Call (231) 775-3421 today!

Customize Your Coverage

No farm is precisely alike. There are many different crops, livestock, and machinery that farm owners can specialize in, and they all require different types of insurance. Coffey Insurance Agency understands that there’s no one-size-fits-all approach to farm owner’s insurance. You deserve to have coverage that considers your business needs and treats you as a unique client.

We offer personalized insurance coverage options, so you can get the type of insurance that suits your style of farm. Some customizable insurance options we can provide for you include:

• Water coverage
• Loss of farm machinery
• Farm accident insurance
• Power interruption coverage

• Crop insurance
• Livestock and poultry loss
• Farm structure damage
• … and more

For any coverage types you need but don’t see on this list, reach out to us. We’ll work with you to develop a customized package that suits your business.

Cost-Effective Coverage

Don’t neglect to get insurance for your farm because of steep rates and costs. When you partner with Coffey Insurance Agency, you get affordable rates on all types of farm insurance. We’re happy to work with you to find rates and premiums that suit your business’s budget.

Saving on money in the short term isn’t worth the cost of letting your livelihood remain unprotected. You can both save money and have coverage when you work with us. Call our representatives at (231) 775-3421 today to work toward a plan that suits your budgetary needs!