3 Reasons for a Homestead Farm Insurance Policy

Community.

Integrity.

Relationship.

Honesty.

Dependable.

Protection.

Caring.

Local.

Insurance.

These are some of the fundamentals that we stand for at Guidelight Insurance.

This is also what is required to properly cover a growing Homestead farm and why we are pleased to support this growing trend here in North Carolina. Unfortunately, homeowner’s insurance does not provide sufficient coverage for the small farmer, or hobby farmer. Instead, you will need a Homestead Farm insurance policy.  

WHAT IS COVERED?

This really depends on the type of policy you choose. Generally, your home, farm structures, equipment, and liability coverage will be included. It’s also best to add on coverages such as livestock, loss of income, Agritourism, mortality coverage, etc. Depending on your farm type, a helpful Guidelight agent will be able to determine what coverages are best for you!

WHAT DOES FARM INSURANCE COST?

This will depend on the type of policy selected, and the size of the risk. A small Farm homestead could cost around $1,500 a year, while a larger Dairy operation could cost upwards of $30K a year. The cost will be based on the type of farm exposure and a Guidelight agent will gladly explain what that means for your specific farm.

WHERE DO I PURCHASE FARM INSURANCE?

We recommend purchasing this type of policy from a local Guidelight agent specializing in farm risks that can sit down with you and fully understand your situation. You want to work with an experienced agent to make sure you don’t have any gaps in coverage. Our agents have access to carriers offering great coverage options, for a fair price.

Since 1927, we take pride in helping local folks in our North Carolina communities feel secure knowing they are covered on all fronts. We’re a different kind of insurance agency.

If you have any questions regarding service or policies with Guidelight Insurance, feel free to call us at (828) 552-5477 or email us at WeCare@guidelight.com.

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Jason Trent
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