Farm Insurance
Protecting your Farm
It would be hard to find a better symbol to represent Tennessee than the farmer. With courage and determination, farmers tilled the soil, tended livestock, and established a farming tradition in Tennessee, they joined together in communities to take care of one another and preserve their heritage…
SHARED PURPOSE. MUTUAL VALUES.™
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.
Important Note for Farm Owners:
Standard policies for farm property owners do not cover flood damage. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) by calling (888) 379-9531 or through one of our local insurance agents.
Call us today or click on the “Get a Free Quote” button to complete our simple quote form, and we’ll get back to you with answers regarding flood insurance.
If you are interested in learning more about the National Flood Insurance Program (NFIP), please feel free to check out their official flood website: floodsmart.gov
Farm Insurance FAQ
What types of farm insurance does FMT Insurance offer in Kentucky and Tennessee?
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.
Does FMT Insurance cover crop damage due to natural disasters?
No, we do not offer commercial liability risk, but we do have independent agents to help you find the right match.
Can I get liability insurance for agritourism activities through FMT Insurance?
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.
How does FMT Insurance determine the cost of farm insurance premiums?
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.
How does FMT Insurance handle the claims process for Farm Insurance
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.