Looking for Farm and Ranch Insurance in Springfield MO, Nixa MO, Ozark MO or areas of Southwest Missouri? Give Bill White Insurance a call. We represent the farm and ranch program underwritten by State Auto, and endorsed by the Missouri Cattlemen’s Association as the preferred farm and ranch insurance provider for its members.
Your homeowner’s policy was designed to cover a dwelling, personal property, and personal liability. It was never intended or designed to cover high value farm equipment, farm structures, or farm liability.
Even if you consider yourself a “gentleman farmer” with a hobby farm and generate most or all of your income from another occupation, you still have a farm exposure not contemplated by your homeowner’s policy. Most coverage gaps occur with liability exposures. Whether it be an accident caused by the on-road collision of a tractor, pollution due to farm chemicals, or livestock collision, the personal liability on a homeowners isn’t sufficient to cover these exposures.
The farm and ranch policy protects you against losses or damages to your residence, personal property, outbuildings, farm personal property and liability coverage. This is not a “one size fits all” type of product as it can be tailored to meet your needs. We have an array of optional coverages available to fine tune an already robust basic policy.
We are generally able to accommodate an assortment of farming risks, including but not limited to operations involving:
Farm Auto and Farm Umbrella coverage is also available