- Mon-Fri: 8:30 am to 5:00 pm
- Mon-Fri: 8:30 am to 5:00 pm
- (440) 888-7854
- 7055 Engle Road Suite 4-403
- (440) 888-7854
- 7055 Engle Road Suite 4-403
Operating a farm involves unique challenges and risks, whether you’re a full-time farmer or manage a hobby farm. At Toth-Felty Insurance Agency, Inc., located in Middleburg, Ohio, we recognize the diverse needs of farm owners and offer competitively priced Farmowners Insurance policies tailored to protect your livelihood and assets.
Our tiered program provides a wide range of coverage options designed to safeguard various aspects of your farm operation:
Farm Dwelling Coverage: Protects your primary residence on the farm, including the structure and associated personal belongings, against risks such as fire, storms, and other covered perils.
Farm Personal Property Coverage: Covers essential items like machinery, equipment, livestock, and harvested crops, ensuring that your operational assets are protected from unforeseen events.
Outbuilding Coverage: Safeguards structures such as barns, silos, and sheds, which are vital to your farming operations, against damages from covered incidents.
Understanding the importance of your farm’s physical assets, our property coverage includes:
Farm Machinery and Equipment: Protection against losses or damages to tractors, combines, and other essential machinery due to accidents, theft, or natural disasters.
Livestock Coverage: Offers financial protection against the loss of livestock resulting from covered events, ensuring the continuity of your operations.
Farm Structures: Coverage for buildings and structures integral to your farm, including barns, silos, and storage facilities, protecting them from various risks.
Liability protection is crucial for farm owners to shield against potential legal and financial repercussions. Our liability coverages encompass:
Farm Liability: Protects against claims of bodily injury or property damage arising from your farming operations, covering legal fees and settlements.
Personal Liability: Extends coverage to incidents occurring on your property that may not be directly related to farming activities, ensuring comprehensive protection.
Medical Payments: Provides for medical expenses if a visitor is injured on your farm, regardless of fault, fostering goodwill and mitigating potential legal actions.
To address the specific needs of your farm, we offer optional coverages that can be added to your policy:
Additional Living Expenses: Assists with costs incurred if your residence becomes uninhabitable due to a covered loss, covering temporary housing and related expenses.Auto, Home, Life, & More
Loss of Income: Provides compensation for lost income if your farming operations are interrupted by a covered event, helping maintain financial stability during recovery.
Equipment Breakdown: Covers repair or replacement costs for essential equipment that suffers mechanical or electrical breakdowns, minimizing downtime.ValuePenguin+6paulhallinsurance.com+6Nationwide+6
Recognizing the multifaceted nature of farming operations, we offer a specialized Farm Umbrella Insurance policy designed to provide additional liability coverage beyond standard policy limits. This umbrella policy addresses both personal exposures typical to a homeowner and commercial exposures from farming operations.Farmers Insurance+5Grinnell Mutual Reinsurance+5Nationwide+5
In today’s litigious environment, standard liability coverage may not suffice in the event of significant claims or lawsuits. A farm umbrella policy offers:State Farm
Extended Liability Limits: Provides additional coverage, typically in increments of $1 million, beyond the limits of your existing policies, offering greater financial protection.Farmers Insurance+1Grinnell Mutual Reinsurance+1
Broad Coverage Scope: Encompasses various aspects of your farm operations, including personal and commercial vehicles, farm properties, residences, and certain watercraft.Auto, Home, Life, & More
Protection Against Unforeseen Events: Shields your assets from substantial claims that could arise from accidents, injuries, or property damage associated with your farming activities.
Whether you’re a “gentleman” farmer engaging in agriculture as a hobby or farming is your primary occupation, Toth-Felty Insurance Agency, Inc. offers flexible insurance solutions tailored to your specific needs. Our experienced agents work closely with you to assess your risks and develop a comprehensive insurance plan that provides optimal protection.
As a local agency deeply rooted in Middleburg, Ohio, we understand the unique challenges faced by our farming community. Our commitment extends beyond providing insurance policies; we strive to be a trusted partner in safeguarding your farm’s future.
Protecting your farm is not just about securing assets; it’s about ensuring the continuity of your livelihood and legacy. At Toth-Felty Insurance Agency, Inc., we are dedicated to providing comprehensive, customized insurance solutions that meet the evolving needs of farm owners.
Toth-Felty Insurance has been advising local Ohio farmers as to the best coverage that meet their needs and protect their family heritage since 1971!
Farm insurance is a specialized policy designed to protect the unique assets and operations of farms. It typically covers farm property, buildings, machinery, equipment, livestock, and crops, and includes liability protection against accidents or injuries occurring on the farm. If you own farm buildings, machinery, livestock, or cultivable land, it’s important to have farm insurance to safeguard your investment.
While homeowners insurance covers personal residences and belongings, it often excludes coverage for farming operations. Farm insurance combines elements of both personal and commercial coverage, addressing risks associated with agricultural activities, such as damage to crops, loss of livestock, and liability for farm-related accidents. Relying solely on homeowners insurance may leave gaps in coverage for farm-specific risks.
Yes, farm insurance policies are highly customizable to match the specific needs of your farming operation. Coverage options can be tailored based on factors like the type of crops grown, livestock raised, machinery used, and additional structures on the property. Working with an insurance agent experienced in agricultural policies ensures that your coverage aligns with your farm’s unique requirements.
Coverage for natural disasters varies by policy and insurer. Standard farm insurance policies may cover certain weather-related events, but specific natural disasters like floods or earthquakes often require additional endorsements or separate policies. It’s crucial to review your policy details and discuss with your insurance agent to ensure adequate protection against the natural disasters prevalent in your area.
Premiums for farm insurance are based on various factors, including the value of insured property, type of farming operations, location, coverage limits, and the farm’s claims history. Implementing risk management practices, such as installing protective systems or choosing higher deductibles, can help control insurance costs. Consulting with your insurance agent can provide insights into available discounts and strategies to manage premiums effectively.
The following charts demonstrate the percentages of those who are and are not insured in the State of Ohio and who is likely to be responsible for accidents.
Based on state-wide reporting data for the fiscal year 2017.
provided by the Ohio Department of Public Safety in 2017
At Toth-Felty Insurance we provide all of our prospective insurance clients with free over the phone quotes.
If you’re interested in obtaining home, auto, life, business, health, farm insurance or interested in any bonding information, please fill out our short form and a Toth-Felty representative will contact you shortly.