Farm and ranch insurance meets the unique needs of this country’s hard-working farmers and ranchers by protecting their property, livestock and equipment. Atascadero insurance agent, John Donovan said, “Whether a farmer owns the land or a rancher is renting the land, there is more to know about the value of farm and ranch insurance than many know. “
Farm and ranch insurance covers both the personal and business aspects:
- When one lives on the farm or ranch, a farm and ranch policy covers their home and personal belongings, clothes, furniture and appliances just as homeowners or renter’s policy does. There is no need for an extra policy.
- The same policy covers farm machinery, crops, livestock and tools needed for the operation.
- A policy can be customized to cover barns, stables, equipment sheds and other structures.
Liability protection includes:
- Coverage for bodily injury or property damage up to the limits in the policy
- Coverage for medical expenses when invited guests to the property are accidentally injured
Even families that are not professional farmers, but are keeping livestock for the kid’s FFA or 4-H programs can benefit from a farm and ranch policy. What if the prize goat gets playful and knocks down a visitor? A normal homeowner or renter’s policy rarely provides liability coverage for animals that are considered livestock.
Farm and ranch insurance from State Farm provides broad and flexible coverage for business needs and for unique personal needs associated with the rural and ranch or farm lifestyles. Coverage can be tailored to meet the needs of property owners, renters, and coverage includes protection for crops, livestock, farming equipment and barns, storage sheds and many other structures, as well as liability coverage in the event someone is injured while on the property.
In addition to insuring farms and ranches, The John Donovan insurance agency in Atascadero can also help with Workers Compensation Insurance, health insurance for the family and life insurance.
“My team and I are committed to the community and working with local residents and businesses who want to secure their wellbeing and protect and preserve their assets,” said Donovan. His office focuses on building long-term relationships based on understanding and meeting the unique insurance needs of the Central Coast.
A Central Coast resident since 1990, Donovan is a member of the Atascadero Chamber of Commerce and has been Chairman of the Rotary Club’s Scholarship Committee since 2016. He is a founding member of the SLO County Bicycle Coalition, a youth basketball coach, and for fun, Donovan is an Abraham Lincoln impersonator.
The Atascadero insurance team is ready to answer questions about home or business insurance, vehicle, life, property insurance or any other insurance need. From personal and family insurance to business of any size including the vital local ranching, farming, winery and vineyard businesses, give the local insurance agents a call.
John Donovan State Farm Insurance Agent
8420 El Camino Real, Suite A
Atascadero, CA 93422