Farm vehicles play a crucial role in agricultural activities, from tilling the soil to moving harvested crops. Unfortunately, accidents can impact your work significantly. Farm vehicle insurance can offer financial coverage for tractors, trucks and trailers used on farms, helping to safeguard your livelihood.

Do Farm Vehicles Need Insurance?

Farm vehicles need insurance for the following reasons:

• Legal requirements—If farm vehicles are driven on public roads, they must have insurance coverage, just like any other vehicle.

• Financial protection—Accidents can happen, and repairs or replacements for farm vehicles can be costly. Insurance may help cover these expenses.

• Liability coverage—If a farm vehicle causes damage to someone else’s property or injures someone, liability insurance can help cover the costs, protecting the farmer from significant financial loss.

• Comprehensive coverage—Insurance can also cover noncollision-related damages, such as those caused by fire, theft, vandalism or severe weather.

• Operational continuity—Having insurance can help farmers can quickly repair or replace damaged vehicles, minimizing downtime and keeping their operations running smoothly.

What Is a Farm Vehicle?

Farm auto insurance typically covers a wide range of vehicles used in agricultural operations. These can include the following:

• Tractors—Essential for plowing, planting and harvesting

• Farm trucks—Used for transporting goods, equipment and livestock

• Trailers—For hauling produce, machinery or animals

• Harvesters and combines—Specialized machinery for harvesting crops

• Sprayers and spreaders—Used for applying fertilizers, pesticides and other treatments to crops

Each insurance policy can be tailored to cover the specific vehicles and equipment used on your farm.

How Much Is Farm Auto Insurance?

The following factors can influence the cost of farm vehicle insurance:

• Type of vehicle

• Usage

• Driving record

• Location

• Coverage amount and deductibles

• Vehicle value

• Safety features

Learn More

Contact Franklin Insurance Agency to discuss your farm insurance needs.