Applications for Ohio Farm Bureau Health Plans now available
Members have three ways to apply: contacting a certified agent, calling 833-468-4280 or visiting ohiofarmbureauhealthplans.org.
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An important part of a farm or ranch policy is the protection it offers for damage to farm or ranch buildings and structures. These buildings must be listed on the policy to be covered.
In addition to barns, stables, pens, confinement buildings and sheds, other outbuildings include cold storage structures, rice dryers, nut hullers, packing houses, prune dehydrators and potato storage sheds, for example.
Coverage for farm buildings includes:
- Water pumps, motors and other outdoor equipment used for the operation of the building
- Furniture, fixtures, machinery and equipment — pertaining to the use of the building — located in, on or within 100 feet of the building
Also talk to an agent about:
- Insuring farm buildings for replacement cost or actual cash value
- The causes of loss (broad, basic or special) for which you want to insure
- How much deductible to carry. A higher deductible may lower premiums, but the policyholder would have to pay more in the event of a loss.
- The current values of farm buildings
Under certain conditions, AgriChoice may also provide coverage for collapse of farm buildings.
Extended coverage for new farm buildings
If a new barn, shelter or other confinement building is added to the operation, AgriChoice extends coverage of up to $100,000 for 60 days (beginning when the building materials are delivered) or until the next renewal date. When the policy is about to renew, discuss the values of any new structures with your agent to be sure you’re properly insured.
Don’t forget the fixtures
The AgriChoice policy provides coverage for equipment breakdown and mechanical failure of fixtures or systems built into farm buildings. Be sure the agent is aware of the values of all fixtures, systems and equipment associated with your barns or other structures.
Nationwide has been protecting agriculture for nearly 100 years, including commercial agribusinesses. For more information, contact a local Nationwide agent or go online.
Farm and ranch products are not available in: Alaska, Florida, Hawaii, Louisiana, Massachusetts, New Jersey and Oklahoma. Products underwritten by Nationwide Agribusiness Insurance Company, Farmland Mutual Insurance Company, Allied Property and Casualty Insurance Company and AMCO Insurance Company. Products and discounts not available to all persons in all states. Nationwide, the Nationwide N and Eagle and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. © 2019 Nationwide.
Photo: istockphoto.com
My first recommendation in your journey is to start out with a local farming friend or mentor along with joining an organization like Ohio Farm Bureau.
We’re just so thankful for the Farm Bureau and the foundation for helping put this together. And of course, the Boyert family for the vision they had with this grant. It’s jumping us forward 10 years. It’s unbelievable.
I could not have done it without the resources I have found through Farm Bureau.
It wasn’t until I joined the Wilmington College Collegiate Farm Bureau that I truly saw how my passion could translate into leadership, advocacy and a career.
The issue of property taxation remains as one of the biggest challenges our members face today. Ensuring agricultural property is valued for its agricultural potential and not development is critical to the continued success of Ohio agriculture.
Through the Select Partner program, we became educated in farm insurance and weren't just selling policies. It became more and more clear why farmers need an advocate like Ohio Farm Bureau.
So many of the issues that OFBF and its members are advocating for are important to all Ohioans. I look at OFBF as an agricultural watchdog advocating for farmers and rural communities across Ohio.
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