• Farm Vehicles
• Farm Property
• Farm Equipment
• Livestock
• Poultry
• Farm Liability
• Bundled Farm Insurance

Insurance Options for Cattle, Hogs, Goats and Sheep

In most states, livestock (cattle, hogs, goats or sheep) can be covered under our AgriChoice^® policy in several different ways. Ask your agent about the best ways for insuring your livestock in your area and for your operation.

One way is to schedule each animal individually. It may be more cost effective to do this for higher valued animals that you want to cover up to a specific amount. They can be identified in whatever manner you use on your farm or ranch to identify your animals (ear tag numbers, name, unique description).

Another way is to cover your livestock as part of a blanket. In this approach, all of your farm personal property (livestock, equipment, farm products) are insured in one lump sum amount. This is really a choice for you to make in conjunction with your insurance agent. If you’re using blanket insurance, it’s important to insure to adequate values. Being under-insured can result in not receiving as much of a claim payment as you may expect or need.

The most common way to insure livestock is to schedule them as a herd. In this approach, you would insure an entire group of animals (for example: 100 head of Holsteins).

Many farmers and ranchers also choose not to carry insurance on their animals. If you choose to do this, an AgriChoice policy would still provide coverage for a loss from your animals being hit by a car, truck or train as well as from being accidentally shot by a hunter.

The maximum amount payable per head is determined by your choice of insuring (scheduled individually, scheduled by herd or by blanket). It’s a good idea to be sure you understand the differences, so talk to your agent about what may work best for your operation.

Scheduled livestock are covered for “Broad” Causes of Loss. These include:

• Accidental Discharge of Water
• Accidental Shooting
• Attacks by Wild Animals and Dogs
• Bursting of Heating or Water System
• Collapse
• Collision
• Damage in Course of Transit
• Earthquake Loss to Livestock
• Electrocution of Livestock
• Explosion
• Falling Objects
• Fire/Lightning
• Flood Loss to Livestock
• Loading/Unloading Accidents
• Riot/Civil Commotion
• Sinkhole Collapse
• Smoke
• Theft
• Vandalism
• Vehicles
• Volcanic Action
• Wind/Hail

With AgriChoice in most states, you are also protected from defense costs incurred to defend yourself against warrantless claims of animal cruelty at no extra cost to you. If you are prosecuted and found to be not guilty, AgriChoice provides up to $20,000 to pay legal fees.