Row Crop Insurance: What to Know
Row-crop operations carry significant value in field machinery, stored grain, and the day-to-day liability of running large equipment. RunQuotes explains the coverage concepts growers commonly encounter so you can speak more confidently with a licensed professional. We do not sell or issue insurance.
Optional coverages to consider
Farm Machinery
Coverage on combines, tractors, and implements is generally intended to respond to physical damage from covered perils in the event of a covered claim.
Stored Grain
Coverage on grain held in bins is generally intended to address loss from named perils, subject to the policy schedule and conditions.
Farm Structures
Coverage on bins, shops, and machine sheds is generally intended to respond to physical damage from covered perils.
Farm Liability
Premises and operations liability is generally intended to address third-party injury or property damage claims arising from field and road operations.
Equipment Breakdown
Optional breakdown protection is generally intended to address mechanical or electrical failure of grain-handling and drying systems.
Where claims tend to come from
- •A combine catches fire in the field during harvest, and the loss might be evaluated as a covered machinery claim.
- •A grain bin is damaged by a windstorm and stored grain is exposed, which could be reviewed under property and stored-grain coverage.
- •A tractor on a public road is involved in a collision, and resulting claims may be considered under farm liability or auto coverage, depending on the policy.
Frequently asked questions
Is stored grain covered against spoilage?
Coverage for stored grain generally responds to named perils, and spoilage may require specific endorsements. Terms vary by carrier, and a licensed agent can explain what may be required.
Does field machinery need separate coverage from the buildings?
Machinery is typically scheduled or covered under its own section rather than building coverage. Specifics depend on the policy structure.
What about equipment on public roads?
Road operation can involve auto-related considerations in addition to farm property. Discussing how road use is handled with a licensed professional is recommended.
Coverages described here are optional and generally intended to respond to the listed exposures in the event of a covered claim. Availability, terms, and pricing are determined by the carrier and vary by operation and state.
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