Farm Insurance Collin County Texas

Farm Insurance Collin County Texas – Let Us Shop The Market For You!

Farm Insurance Collin County TexasAs an independent agency, Country Side Insurance can shop the insurance marketplace for you to find great rates and coverage on Farm Insurance in Collin County Texas.

We also provide Farm Insurance in Hunt County, Grayson County, Denton County, Lamar County, Delta County, Fannin County, and Hopkins County.

Call us today to find out how we may be able to save you money on your farm insurance. Our numbers are 888-505-7550 (toll-free) and 903-378-7300 (direct).

Click any link below to submit a request for free farm insurance quotes:

Farm Insurance Collin County Texas — Coverage Scenario Part 2 – The Use of The Building Determines How It Is To Be Insured!

In a previous article we were introduced to Tom, a farmer who has just lost a detached garage to a fire and a substantial amount of farm equipment and tools along with it.

Tom filed a claim for the loss of the garage with his insurance company, assuming the structure is covered by his homeowner’s insurance.

The question we posed last time is: Will Tom’s homeowner’s insurance policy cover the damage?

Unfortunately for Tom and his family, the answer is probably not.

Why?

You may recall that the detached garage was initially covered as an extension of Tom’s homeowner’s insurance policy. This coverage applied so long as the garage was being used for personal reasons and not business-related ones, such as storing a recreational vehicle.

A farm is a business, however. The moment that Tom began to use the detached garage as a storage building for his farm equipment he effectively changed the purpose of the building from a personal use to a business use, potentially nullifying the building’s coverage under Jim’s homeowner’s policy.

Typically, homeowner’s insurance policies explicitly exclude coverage for business use and Tom’s policy is no exception.

A building used in connection with farming is not covered unless it is scheduled on the farm’s policy and a separate premium is paid. To retain coverage, Jim should have notified his insurance agency about the new use of his detached garage so that they could schedule it on his farm policy.

In other words, the use of a building will determine how it is to be insured, so make sure that you alert your insurance company of any changes in the use of a structure.

Farm Insurance Collin County Texas — Call 888-505-7550 or Click Below to Start Your Free Quote Today!

By using our simple online quote request form you can begin the process of receiving a free farm insurance quote at any time. Simply click one of the links below to get started:

Farm Insurance Denton County Texas

Farm Insurance Denton County Texas – Great Rates Available Now!

Farm Insurance Denton County TexasCountry Side Insurance offers competitive rates on Farm Insurance in Denton County Texas!

Whether you need Farm Insurance in Denton County, Hopkins County, Grayson County, Collin County, Lamar County, Delta County, Fannin County, or Hunt County, Country Side Insurance can find the best options for a great price.

You can contact us by phone toll free at 888-505-7550 or direct at 903-378-7300 or click one of the links below to use our online rate quote submission form 24/7:

Farm Insurance Denton County Texas – Coverage Scenario Part 1

Tom owns a farm in Denton County. Like many farmers, he and his family live in a house on their farm.

As Tom and the family are avid campers, they own a big RV. Years ago Tom built a detached garage for the purpose of storing the family RV during the off season. The detached garage is covered as an extension of Tom’s homeowners insurance.

The kids have since grown up and gone off to college. Tom and his wife do not go camping or road tripping as often as they once did, so together they decide that it no longer makes sense to own a massive RV that does not see any use.

They sell the RV and clear out the garage, which opens up a lot of free space. This gives Tom the idea to store his tractor, planter, and various other farm equipment and tools that had been crowding up his farm storage building.

A few months later, a farmhand discards a cigarette near some hay that’s been strewn about the ground outside Tom’s detached garage. Within the hour the whole garage has caught fire.

Tom’s wife calls the fire department while Tom and a few farmhands make a vain attempt to quench the flames with hoses and buckets of water.

The fire department arrives as quickly as they can but the fire has been raging for quite a while.

By the time the flames can be put out, the garage is completely gone and much of the equipment stored inside has been badly damaged or destroyed.

Tom dutifully files a claim with his insurance for the loss of his garage and equipment and awaits their response.

What do you think? Since the detached garage was always covered by Tom’s homeowner’s insurance policy, will the homeowner’s policy cover the damage in this case?

We will answer that question in our next blog post.

Farm Insurance Denton County Texas – We’re Ready to Serve You!

We are open Monday through Friday 8:30 AM to 12:00 PM and 1:00 PM to 6:00 PM. If you have questions about Denton County Texas Farm Insurance give us a call at 888-505-7550 or direct at 903-378-7300, or click below to launch our online quote submission page:

Farm Insurance Grayson County Texas

Farm Insurance Grayson County Texas – Great Rates Available Now!

Farm Insurance Grayson County TexasIf you are a farmer looking for Farm Insurance in Grayson County Texas or the nearby areas then contact Country Side Insurance today.

We offer affordable rates on Grayson County Texas Farm Insurance, as well as Farm Insurance for Hopkins County, Denton County, Collin County, Lamar County, Delta County, Fannin County, and Hunt County.

Call toll free at 888-505-7550 or direct at 903-378-7300. Our hours of operation are Monday through Friday 8:30 AM to 12:00 PM and 1:00 PM to 6:00 PM.

You can also request a free quote by clicking one of the links below:

Farm Insurance Grayson County Texas – Coverage Scenario Part 2

Last time, we were introduced to Jim, a farmer who built a shop with the help of his son to save on building costs. When the shop was destroyed in a storm, Jim filed an insurance claim for the loss.

His insurance company estimated a replacement cost of $30,000, but because the limit of insurance on Jim’s policy is set at $16,000 he will only be reimbursed for $14,000 after a $2,000 deductible.

This leaves us with the following question: How did the insurance company come up with this number?

They based their estimate on the cost of replacing the materials and on the cost of hiring a professional builder to rebuild the shop. Jim built the original shop with the help of his son instead of hiring a builder so he did not factor that into his decision to insure the building for $16,000 it was mainly material cost.

Jim’s son has since moved to another state to start his career so he won’t be available to help assemble a new shop any time soon. Jim may have no choice but to hire a builder this time around, but the cost to do so will have to come out of Jim’s pocket.

Jim probably should have insured his shop for its true replacement value rather than simply for what it cost him to make. The money Jim saved on his premiums is minuscule compared to the additional money he would receive if the building had been adequately insured.

In other words, farm buildings need to be insured for their full value if you want to be reimbursed properly.

Farm Insurance Grayson County Texas – Why Wait? Call Today!

If great rates and coverage on Grayson County Texas Farm Insurance are what you need then why wait?

Call Country Side Insurance today at 888-505-7550 or direct at 903-378-7300, or click one of the following links to use our simple online quote request submission form:

Farm Insurance Hopkins County Texas

Farm Insurance Hopkins County Texas – Call or Click for Farm Insurance Today!

Farm Insurance Hopkins County Texas

Do you own a farm in North Central Texas? Are you seeking Farm Insurance in Hopkins County Texas or one of the nearby counties? If so then you have come to the right place.

Country Side Insurance offers excellent rates and great coverage on Hopkins County Texas Farm Insurance, as well as Farm Insurance for Grayson County, Denton County, Collin County, Lamar County, Delta County, Fannin County, and Hunt County.

To speak with a Country Side agent call us toll free at 888-505-7550 or direct at 903-378-7300.

We are open for business Monday through Friday 8:30 AM to 12:00 PM and 1:00 PM to 6:00 PM.

In addition, you can use our simple online quote form to submit your information for a free quote by clicking the link pertaining to your area below:

Farm Insurance Hopkins County Texas – Coverage Scenario Part 1

Jim is a farmer in Hopkins County. Due to expansion of his farming business, Jim sees the need for more space to house equipment and in which to work.

To save money, he enlists the help of his son to build the shop rather than pay a building contractor. Together Jim and his son erect a 20 x 30 all-metal shop with a concrete slab floor.

When Jim purchases an insurance policy for the new structure he insists on insuring it for $16,000. After all, the sheet metal, supports, concrete slabs, and other materials cost a total of $16,000.

“Why insure it for more than it cost to make?” Jim reasons to himself. Additionally, a lower insurance limit means lower insurance premium payments.

Several years go by. Jim gets a lot of good use out of his shop, and business is going well.

One night in the height of summer a violent storm blows in. The fierce winds bring down two ancient oak trees on Jim’s property. The trees both land directly on the shop Jim and his son built years ago, completely destroying the structure.

Jim files an insurance claim for the loss of his shop. After assessing the situation his insurance company estimates that the replacement cost of the shop is $30,000, but because the limit of insurance on Jim’s policy is set at $16,000 he will only be reimbursed for $14,000 after his $2,000 deductible.

How did the insurance company come up with this number?

We will answer that question in our next article.

Farm Insurance Hopkins County Texas – Call Today For Free Quotes!

Want free Texas Farm Insurance Quotes? Give us a call at 888-505-7550 or direct at 903-378-7300, or click one of the links below to access our convenient online quote system: