Farm equipment insurance may cover agricultural machinery and tools against many risks, including fire, theft, vandalism, accidental damage and severe weather events. This type of coverage is a crucial component of a robust farm insurance policy.
What Does a Typical Policy Cover?
While every policy can be customized to your specific needs, most farm equipment insurance may include coverage for: 
- Tractors, combines and harvesters
- Irrigation systems and grain bins
- Plows, planters and other implements
- Hand tools and portable equipment
- GPS and precision farming technology
Coverage can extend to equipment stored on your property, in transit or temporarily off-site. Some policies may also offer replacement cost coverage, helping you repair or replace damaged machinery with minimal out-of-pocket expense.
Why Is Farm Equipment Insurance Important in Nebraska?
Nebraska’s agricultural businesses face many risks, including severe storms, hail, equipment theft and mechanical breakdowns. Without insurance, such events could lead to costly repairs or lost productivity. Farm equipment insurance can help reduce financial stress and keep your operation on track.
Tips for Choosing the Right Policy
When selecting farm equipment insurance, compare quotes from different providers to find the best coverage and the most competitive price. Make sure your coverage limits are sufficient for your most valuable machinery and select a deductible that aligns with your budget. If you use specialized tools or GPS systems, ask about add-on coverage. Consider also your farm’s risk factors, such as location and security measures.
Contact Our Agency
Town & Country Ins Agency helps Nebraska businesses secure farm equipment insurance. Our team can assess your equipment, identify potential risks and recommend suitable coverage options. Contact us today to speak to one of our agents or to request a personalized quote.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.