Farm Insurance in Mount Vernon, OH

A farm puts your home, your buildings, your equipment, and your income in one place. Cunningham Insurance LTD writes farm insurance for families in Mount Vernon and across Knox County, from full-time grain and livestock operations to a few acres with a barn and some animals.

We are an independent agency, owned by a Cunningham since 1974. We compare farm policies from multiple carriers and help you choose the one that fits your operation.

What Farm Insurance Covers

A farm policy, sometimes called a farmowners policy, combines home coverage and farm business coverage. Most policies are built from these parts:

• Farm home: your house and attached structures, the way a homeowners policy would cover them.
• Household belongings: furniture, clothing, electronics, and other personal property in the home.
• Barns and outbuildings: barns, machine sheds, shops, grain bins, silos, and other farm structures.
• Machinery and equipment: tractors, combines, planters, balers, and tools, listed item by item or covered under one overall limit.
• Livestock: cattle, hogs, sheep, goats, horses, and poultry against covered causes of loss such as fire, lightning, and theft.
• Feed, grain, and supplies: stored grain, hay, feed, seed, and fertilizer.
• Farm liability: injuries or property damage you are held responsible for, such as a visitor hurt on your property or livestock that get out onto the road.
• Medical payments: smaller medical bills for a guest injured on the farm, regardless of fault.

Coverage, limits, and exclusions vary by carrier and policy. We show you what each quote includes before you choose.

Why a Homeowners Policy Is Not Enough for a Farm

A standard homeowners policy is written for a residence. It typically limits or excludes property and liability tied to farming, including barns used for the operation, farm machinery, livestock, and income from what you raise or grow.

If you sell crops, livestock, hay, eggs, or produce, or you keep buildings and equipment for farm use, a barn fire or a liability claim may not be covered under a homeowners policy. Ask us to review what you have now.

Farm Insurance for Knox County Farms

Agriculture is one of Knox County's largest industries. The county has more than a thousand farms, most of them family owned, led by corn, soybeans, hogs, dairy, and cattle. We write farm insurance for:

• Grain and row crop farms
• Cattle, hog, sheep, and goat operations
• Dairy farms
• Hay and produce farms
• Horse properties
• Hobby farms and small acreages

We work with farmers in Mount Vernon, Gambier, Fredericktown, Centerburg, Danville, Howard, and the rest of Knox County.

Optional Farm Coverages

Depending on the carrier, you can add coverage for risks a base farm policy leaves out:

• Equipment breakdown: mechanical or electrical failure of covered equipment, such as a grain dryer or milking system.
• Loss of farm income: income you lose and extra costs you take on while you recover from a covered loss.
• Custom farming: liability when you do paid fieldwork for other farms.
• Farm vehicles: trucks and trailers licensed for the road need an auto policy, which we can write alongside your farm policy.
• Farm umbrella: extra liability protection above your farm and auto limits. See umbrella insurance.

If your operation is closer to a business than a farm, such as a retail market or a landscaping company, commercial insurance may be the better fit.

What Affects the Cost of Farm Insurance

There is no standard price for farm insurance in Ohio. Your premium depends on:

• The size and type of your operation
• The value, age, and construction of your home and farm buildings
• The equipment and livestock you insure, and whether they are valued at replacement cost or actual cash value
• Your liability limits and deductibles
• Your claims history

Carriers price the same farm differently, which is why comparing matters. Keeping your farm, auto, and umbrella policies together may also qualify you for a discount.

Farm Insurance FAQs

Do I need farm insurance for a hobby farm?

If you keep livestock, own farm equipment or outbuildings, or sell anything you raise or grow, a homeowners policy may leave gaps. Many carriers offer hobby farm or small farm policies sized for a few acres. We can review your current policy and tell you where you stand.

Does farm insurance cover my crops?

Stored grain and hay can be covered as farm property. Crops growing in the field generally are not. Crop-hail insurance and federal multi-peril crop insurance are separate policies.

Is my equipment covered away from the farm?

Many farm policies cover machinery on other land you farm and on the road between fields, but the terms vary. Tell us where you use your equipment so we can confirm it is covered there.

What if my livestock get out and cause an accident?

Farm liability coverage is designed for claims like this. It can pay for injuries or property damage you are legally responsible for, up to your policy limit.

Does my farm policy cover my farm truck?

No. Vehicles licensed for road use need their own auto policy. We can quote your farm trucks and personal vehicles at the same time as your farm policy.

Talk to a Farm Insurance Agent in Mount Vernon

Call 740-397-7038, text 740-651-4999, or email tim@cunninghaminsuranceltd.com or ty@cunninghaminsuranceltd.com.

Our office is at 13361 Wooster Rd., Mount Vernon, OH 43050. We are open Monday, Tuesday, Wednesday, and Friday from 9:30am to 5pm, and Thursday from 9:30am to noon.