Before a farm or ranch renewal, compare the current policy information with the property you own or lease and the work you do now. Include changes at the house, in the barns and out on the road.
Land, buildings and livestock
- New or sold land, leased acreage, and changes in who uses each location.
- Barns, sheds, fencing, wells, home improvements and other structures added or changed.
- Changes in livestock, hay production, hunting leases, visitors or public access.
- Storm damage, completed repairs and improvements since the last review.
Give each location an address or clear description. Explain the use of a building as well as its size or value; storing your machinery and operating a repair business there are different activities to review.
Equipment, farm trucks and trailers
Update the list of tractors, balers, implements and other machinery. Note purchases and sales, ownership or lease arrangements, serial numbers, current values and where equipment is kept or transported. The farm equipment inventory provides a place to organize those details.
Include farm trucks and trailers, their drivers and their actual use: moving your own livestock or hay, traveling between properties, making deliveries or hauling for someone else. Bring lender or lease requirements and details of equipment attached to a vehicle.
Sales, paid work and hired help
Describe any custom baling or harvesting, boarding, equipment work, deliveries or other paid services. Include hired help, subcontractors, expected work and where it takes place. Report the activity even if the operation had a loss this year.
For paid field work, use the custom baling and harvesting guide. If the business processes, sells or services agricultural products for others, the Agribusiness Insurance page helps frame that discussion.
Put the equipment and its use in the same conversation
For example: buying a baler and starting paid baling for neighboring farms creates two updates: the machine and the work. Include the baler’s details, how it travels, who operates it and the expected custom jobs.
If we already handle your policies, ask for a coverage review when the change is planned. You do not need to start over with a new quote for every update. If you are buying a property or looking for insurance with our agency for the first time, start with the Farm & Ranch Insurance guide. A requested change needs confirmation before you rely on it.