Insuring Livestock
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Understanding Livestock Insurance

We understand your livestock represent a portion of your livelihood. We can help insure this very important and sometimes unpredictable part of your farm or ranch business. Livestock (cattle, bison, hogs, goats or sheep) can be covered under our AgriChoice® policy in different ways.

Individual coverage

One way is to schedule each animal individually. Listing animals individually may be the right option if you have higher-valued animals you want to cover up to a specific dollar amount. They can be identified in whatever manner you use on your farm or ranch – ear tag number, name or unique description.

Blanket coverage

Another way is to cover your livestock as part of a blanket policy. With a blanket policy, all of your farm property (livestock, equipment, structures, etc.) are insured in one lump sum amount. If you’re using blanket insurance, it’s important to insure to adequate values. Being under-insured may result receiving a lower claim payment than you need or expect.

Herd coverage

The most common way to cover livestock is to insure them as a herd (for example, 100 head of Holstein cattle).

Uninsured livestock

Many farmers and ranchers choose not to insure their animals. AgriChoice still provides coverage if your animals are struck by a vehicle or are accidentally shot by a hunter.

Know your options

The maximum amount payable per head is determined by your choice of insuring (individual, blanket or by herd). Understand the differences, and talk to your agent about what may work best for your operation.

Scheduled livestock are covered for Broad Causes of loss including:

  • Accidental water discharge
  • Accidental shooting
  • Animal attacks
  • Heating or water system failure
  • Collapse (including sinkholes)
  • Collision
  • Damage while in transit
  • Earthquakes
  • Electrocution
  • Explosion
  • Falling objects
  • Fire/Smoke
  • Lightning
  • Flood
  • Loading/unloading accidents
  • Civil unrest
  • Theft
  • Vandalism
  • Volcanic action
  • Wind/Hail

In most states, you’re also covered for the cost of legal defense if you are faced with unwarranted claims of animal cruelty. If you are prosecuted and found not guilty, AgriChoice offers up to $20,000 for legal fees.

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