When you own a farm, you'll need to protect numerous things. From land to livestock and more, when one thing goes down, so could your entire operation. Mississippi business insurance will have coverage for your farm equipment to keep you running smoothly.

A Mississippi independent insurance agent will have access to multiple carriers so that you get the best coverage for a fair price. They'll even do the shopping for you at no cost. Connect with a local expert to get started in minutes. 

Farm Equipment Insurance in Mississippi

If you didn't have the equipment to help operate your farm, how would you do your job? Farm equipment insurance can help protect against common losses that may befall your farm, such as:

• Fire
• Theft
• Vandalism
• Storm damage

Commercial or industrial equipment rental and leasing revenue in the US in recent years (in million US dollars)

If you lease out your farm equipment, then it can be profitable. You'll want to know exactly how to protect your assets. 

What Does Farm Equipment Insurance Cover in Mississippi?

In Mississippi, an accident on your tractor or other heavy pieces of machinery can wreak havoc on your business. The proper protection can help ensure you're not left in financial ruin. Check out what farm equipment insurance will cover:

• Coverage to replace or repair failed equipment
• Coverage for the labor to replace or repair failed equipment
• Coverage for lost income due to failed equipment

Global net sales and revenues of John Deere in recent years (in million US dollars)

One of the largest farm equipment retailers in the market has been steady in its sales in recent years. That can only mean that farms still need equipment to run their operation and create a livelihood. 

What Doesn't Farm Equipment Insurance Cover in Mississippi?

Your Mississippi farm equipment policy will have coverage for your scheduled pieces of property, and that's pretty much it. Take a look at standard exclusions under farm equipment insurance:

• Crops: Your farm's crops will be covered under a separate crop policy for any damage.
• Vehicles: Some insureds think automobiles or company vehicles fall under farm equipment, but they don't.
• Structures: If you want coverage for any buildings, it will fall under your farm's property coverage.

Farm Equipment Insurance Costs in Mississippi

Each piece of farm equipment will be assigned a value. Your insurance policy will reflect this value, making premiums vary. Take a peek at things carriers use to calculate costs for farm equipment:

• The value of each piece of equipment
• Your safety measures in place
• Equipment operators
• Your claims history
• Your location
• Local disasters

Mississippi has common natural disasters that could impact your premiums as well. Among them are severe storms and lightning damage, burglary and other property crimes, hurricanes and tropical storms, flooding and water damage, and tornadoes. 

Additional Policies for Your Farm in Mississippi

In Mississippi, your farm will need many different policies in addition to your farm equipment insurance. Consider these standard coverage options for your farm:

• Commercial umbrella insurance: This policy can be obtained for additional liability coverage above and beyond your underlying limits. 
• Commercial property insurance: This will provide coverage up to the replacement value for structures on your farm. 
• Commercial auto insurance: If you use vehicles to run your farm, this policy will provide liability and property damage protection.
• Extended liability limits: You can increase your underlying liability limits for added coverage.

How to Connect with an Independent Insurance Agent in Mississippi

Your farm's insurance is crucial to avoid a significant financial loss. If you're not properly insured, then you could be out of time and money. Fortunately, you're not alone, and a trusted adviser can help for free.

A Mississippi independent insurance agent does the shopping for you through their network of carriers. They present you with the best options for farm equipment protection so that you're fully covered. Connect with a local expert on TrustedChoice.com to get started.