Farm and Home Insurance Paris Tx

Farm and Home Insurance Paris Tx – Low Prices and Great Coverage!

As an independent insurance agency in Texas, Country Side Insurance can help you find better prices and coverage for Farm and Home Insurance in Paris Tx and the surrounding areas.

If you are interested in Paris Tx Farm and Home Insurance or would simply like to know more contact us today at 888-505-7550 toll free or at 903-378-7300 direct.

In addition to Paris, Country Side Insurance offers Farm and Home Insurance in cities and towns throughout the North Texas region. If you wish to receive a free quote on farm insurance then click a location near you and you will be redirected to our free online quote request form:

Farm and Home Insurance Paris Tx – Coverage Scenario Part 2

Farm and Home Insurance Paris Tx

In our last article we met Walt, a farmer who decided to repair his dilapidated old barn.

In the process of performing the repairs, Walt decided to move all the hay inside the barn to the outside, and relocated one of his chicken coops to a less desirable location.

A terrible storm ravaged his farm, ruining the hay and killing many of his chickens.

When last we saw him, Walt had just filed a claim with his insurance company for the damage.

Will Walt’s losses be covered?

Sadly, the answer in this case would likely be no.

Walt is understandably upset after finding out about the insurance company’s decision. How can they deny him coverage?

If Walt had read his policy carefully before performing the renovations to his barn, he might have noticed the following line:

  1. Hay stored outside and poultry are insured against loss by fire only.

As you can see, Walt’s policy clearly states that the losses he has suffered are not covered because they were caused by a storm and not specifically by fire.

If Walt had taken a few minutes to read through his policy he may very well have avoided this outcome altogether.

Farm and Home Insurance Paris Tx – We Can Help You Understand Your Policy!

The agents of Country Side Insurance would be happy to help you understand your Paris Tx Farm and Home Insurance.

To get started, call us at 888-505-7550 or 903-378-7300, or click a location near you to request a free quote online:

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: