Watervliet, Coloma & Hartford Farm & Ranch Insurance
At Karla D Smothers Agency, LLC, we 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 will 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 Watervliet, Coloma & Hartford
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
- Legal defense
- Can also cover barns and other structures