Protecting Your Farm, Your Land, and Your Livelihood
Farms across Rowan County and the Appalachian foothills face unique risks that standard home or business insurance doesn't fully cover. Whether you operate a family farm, manage livestock, grow crops, or maintain several acres of rural property, the right farm insurance helps protect everything you depend on. Our team understands the realities of farming in Eastern Kentucky - unpredictable weather, valuable equipment, high livestock stakes, and the everyday risks of working land. We tailor policies to your operation so you get clear, dependable protection where it matters most.
Comprehensive Farm Coverage Options
Farmhouse & Personal Property
Protect the residence on your farm along with household belongings.
Barns & Outbuildings
Covers barns, storage sheds, equipment buildings, stables, and other structures essential to your operation.
Farm Equipment & Machinery
Safeguards tractors, combines, ATVs, UTVs, and other machinery against damage, theft, or breakdown-related losses.
Livestock Coverage
Protects your animals from certain covered events such as theft, weather-related losses, or accidents.
Farm Liability
Provides protection if someone is injured on your property or if your farm operations cause damage to others.
Specialty Coverage Add-Ons
Options for agritourism liability, timber coverage, crop risks (if eligible), or custom solutions depending on your operation.
What to Expect When Choosing Farm Insurance
Every farm is different - and so is every farm policy. Here's how we make the process simple:
Assess Your Operation
We review your acreage, structures, livestock, equipment, and risks.
Customize Your Coverage
No two farms are alike - we build a plan that reflects your real needs.
Review Weather & Local Risks
From storms and wind to livestock exposure, local insight matters.
Compare Carriers
As an independent agent, we find strong farm insurance options for your budget and operation.
Common Questions About Farm Insurance
How does farm insurance work in Kentucky?
Farm insurance combines elements of home, auto, and business coverage into one package tailored to your farm's operations and risks.
Do I need separate insurance for my farm equipment?
Yes - tractors, combines, and ATVs typically require scheduled coverage to ensure proper protection.
Does farm insurance cover livestock?
Policies can include livestock protections for specific covered events. We help determine the right type and limit based on your animals.
Can I insure barns and outbuildings?
Absolutely. Barns, sheds, and other structures can be covered for fire, wind, theft, and more.
What if my farm includes agritourism or public visitors?
Agritourism exposes farms to additional liability. We offer specialty endorsements to keep you covered.
Explore Related Insurance Services
Farm Property Insurance
Coverage for farm homes, barns, outbuildings, equipment, and rural property—built for the realities of Eastern Kentucky farms.
Livestock Insurance
Protection for cattle, poultry, and other livestock, with options tailored to herd size, use, and regional risk.
Crop Insurance
Risk management coverage for Kentucky growers, designed to help protect yields and revenue against weather and market uncertainty.
Equine Insurance
Specialized coverage for horses and equine operations, from mortality and medical to liability for boarding or training activities.
Agribusiness Insurance
Commercial-grade protection for farm-based businesses, including processing, storage, retail sales, and mixed-use agricultural operations.
Ready to Secure Your Farm?
We proudly serve farmers across Morehead, Rowan County, and Eastern Kentucky with tailored policies that protect your work, your land, and your future. Let's build a farm insurance plan that fits your operation.
