Farm and Home Insurance Whitesboro Tx

Farm and Home Insurance Whitesboro Tx – We’re Just a Phone Call Away!

Farm and Home Insurance Whitesboro Tx

If you’re searching for lower rates available for Farm and Home Insurance in Whitesboro Texas then remember that the helpful agents of Country Side Insurance are just a phone call away!

You can contact us at 903-378-7300 or 888-505-7550 anytime between 8:30 AM and 5:00 PM CST (with a lunch break between 12:00 pm and 1:00 pm), or you can select your location from the options listed below to request a free quote using our online form: 

Farm and Home Insurance in Whitesboro Texas – Would This Be Covered? Part 4 

In part 3, we returned to our fictional scenario about an escaped cow that caused a car accident. In an attempt to avoid hitting the cow, Jonathan T. Wadsworth III swerved his Maserati off road and crashed into a farmer’s property. 

The property owner, Farmer Shuck, is also the owner of the cow. Now, Jonathan T. Wadsworth III’s father is suing Farmer Shuck for the damage to the sports car. 

Previously, we posed the following two questions in regards to the scenario: 

  1. Is Farmer Shuck to blame?
  2. If so, will his farm insurance cover the costs of the lawsuit? 

In last week’s entry, we began to address the first question and learned that the answer depends on a number of factors. 

Some of these factors include whether or not the county in which the accident took place has something called a Stock Law, and whether or not Farmer Shuck can be shown not to have taken reasonable precautions to keep his livestock contained. 

Another factor that we have not yet mentioned is the type of road on which the accident occurred. If Bessie the cow had been wandering across a federal or state highway, then the county’s stock law – if there is one – would not apply. But because the accident took place on a country road in this case, it falls under local jurisdiction. 

So, does the county have a stock law? After checking with the local municipality, they find out that yes, it does. 

That means Farmer Shuck could potentially be found liable if it can be proved that he was negligent. 

What factors are considered in order to determine whether someone behaved with negligence

in relation to keeping their livestock contained? We’ll talk about that in our next article. 

Whitesboro Texas Farm and Home Insurance – Want to Know More? Call!

If you have more questions about your farm, about your liability, about our agency, or anything else related to insurance, then why not give us a call? We’d be happy to help you in any way we can. 

Call today for a free quote or choose an option below pertaining to your area to launch our free online quote request form: 

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: