Alfa2Go
GET - In Google Play
GET - In Google Play
Alfa® offers dependable insurance solutions for farmers and ranchers in Alabama, Georgia, and Mississippi.
Coverage terms and availability vary by state.
Primary Coverages
Farm personal property coverage helps protect the assets used in your farming or ranching operation. Depending on your state, coverage may be available for property such as machinery, livestock, feed, seed, and tools, as well as other eligible property, on a scheduled or unscheduled basis.
Example: A lightning strike results in the loss of some of your cattle. If the loss is covered, your policy may pay up to the animals' cash market value at the time of loss.
Dwelling and personal property coverage helps pay for covered damage to your home and personal belongings caused by a covered peril. Covered losses are typically settled at replacement cost, which does not factor in depreciation.
Example: A covered peril, such as a windstorm, damages your roof. Dwelling and personal property coverage would help pay to repair or replace your roof.
Farm liability coverage helps protect you financially if you are legally responsible for bodily injury or property damage to someone else that occurs on your property or as a result of your farming operation. Liability coverage may also help pay for certain medical expenses for others, legal and claim expenses, and covered property damage.
Example: A visitor parks their vehicle in your driveway. A farm employee accidentally backs a tractor into the vehicle. If the incident is covered, your farm liability coverage can help pay for the repairs.
Additional Coverages
Standard farm insurance policies cover specific causes of loss. This policy form broadens protection by covering certain causes of loss that may otherwise be excluded, providing more comprehensive protection for eligible farm personal property.
Example: Heavy rainfall causes flooding that damages your tractor. Because flooding may not be covered under a standard farm policy, adding this endorsement may help provide coverage for the damage, subject to your policy terms.
Home systems protection helps cover the repair or replacement of covered home systems in your farm dwelling when they experience a covered mechanical or electrical breakdown.
Example: Your home's air conditioning system stops working due to a mechanical failure. If the breakdown is covered, home systems protection can help pay for repairs.
This endorsement helps pay to repair or replace covered personal belongings after a covered loss without deducting for depreciation.
Example: A covered peril, such as a kitchen fire, damages your stove. A new stove costs $2,000 to replace, but your stove has depreciated by 40% ($800). With replacement cost coverage, depreciation isn't deducted from your claim. If you have a $400 deductible, your policy would pay $1,600, and your only out-of-pocket cost would be your deductible.
This endorsement helps cover the cost to repair or rebuild your home after a covered loss, deducting for depreciation.
Example: A covered peril, such as a windstorm, damages your roof. A new roof costs $10,000 to replace, but your roof has depreciated by 30% ($3,000). With an actual cash value endorsement, depreciation is deducted from your claim. If you have a $1,000 deductible, your policy would pay $6,000, and your out-of-pocket cost to replace the roof would be $4,000, including your deductible.
Equipment Breakdown coverage provides affordable protection that can help pay to repair or replace covered farm equipment damaged by a covered mechanical or electrical breakdown.
Example:The ventilation system in your poultry house stops working because of an electrical failure. Equipment breakdown coverage may help pay to repair or replace the damaged equipment.
This endorsement increases medical payments coverage for farm employees who are injured on your covered property. It is not workers' compensation insurance and does not replace workers' compensation coverage.
Example: A farm employee is kicked by a horse while working and requires emergency medical treatment. This coverage may help pay for eligible medical expenses.
A machinery and equipment schedule allows you to list eligible farm equipment individually so it can be insured under your farm insurance policy. Scheduling equipment helps ensure important machinery and attachments are properly listed and covered.
Example: Your tractor is covered, but your tiller attachment is not. Adding the attachment to your machinery schedule can ensure it is covered under your policy.
