What does auto insurance cover?

Farm insurance is generally a combination of homeowners insurance and business liability insurance that may cover not only your home, but other buildings and equipment on the farm.

To determine whether your property needs farm insurance, rather than homeowners, an insurance company usually considers several factors including buildings on the property that are not typical adjuncts to a dwelling, such as a barn.

The insurance company may also consider the presence of livestock on the property as well as employees working on the property.