Protecting your Farm
Our farmowners program offers coverage for owner-occupied structures with farm related exposures. A farm policy covers the residence, personal property, personal liability, and medical payments. To meet your varied and specific needs we provide a variety of optional coverages.
For customers who insure their primary residence or rental property with FMT, we offer farm fire coverage for farm property without an owner-occupied residence.
Farm Insurance FAQ
FMT Insurance provides a range of farm insurance policies in Kentucky and Tennessee, including coverage for farm dwellings, outbuildings (like barns and silos), livestock, crops, farm equipment, and liability protection. They also offer specialized coverage options for specific types of farming operations, such as dairy, poultry, or equine.
No, we do not offer commercial liability risk, but we do have independent agents to help you find the right match.
Absolutely. FMT Insurance recognizes the growing popularity of agritourism and offers liability insurance that covers activities like farm tours, corn mazes, petting zoos, and on-farm direct sales. This insurance is essential for protecting the farm against claims related to injuries or accidents that occur during agritourism activities.
The cost of farm insurance premiums with FMT Insurance is determined by several factors, including the size and type of the farming operation, the value of the farm property (buildings, livestock, equipment), the types of crops grown, and the level of coverage selected. Risk factors specific to the region, such as susceptibility to certain natural disasters, also play a role in premium calculation.
FMT Insurance offers comprehensive support in the event of a claim. This includes a prompt response team to assess damage and begin the claims process, assistance with emergency repairs or measures to protect remaining property, and guidance throughout the claim settlement process. They aim to ensure that farmers receive fair compensation and can return to normal operations as quickly as possible.