Across 4,495 households, many of them on working ground. A house on agricultural land can be insured two different ways, and the wrong one is wrong in a way nobody notices until a claim.
A homeowners policy covers a residence. A farm policy covers a residence and an operation. They are not interchangeable.
Three things about insuring a home on working land.
A large lot with a garden is still a residence. Land that produces income, carries livestock or stores commercial equipment is an operation, and a homeowners policy is written for the first and excludes much of the second. Owners frequently sit on the line without realizing there is one.
Barns, equipment, stored crop, livestock and farm liability are all contemplated by a farm form and largely absent from a homeowners one. If those things exist on the property, insuring it as a residence leaves the most valuable part uncovered.
Workers, visitors, equipment on a public road and animals that get out are farm liability rather than personal liability. A homeowners policy was not priced for any of it, and a claim arising from the operation can fall outside it entirely.
Which side of the line it sits on.
Income, livestock or commercial storage all point one way.
Barns and equipment sheds change the answer quickly.
Hired help is a liability question a homeowners form does not address.
Tell us what the land does, what is standing on it and whether anyone works it.
We put the property on the form that matches what it actually is.
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