Farm Insurance
Your farm is your home and your livelihood. At Campbell & Haliburton, myCH, we help you protect it. We know what insurance coverages you need to enjoy peace of mind and sleep well at night.
Farm insurance has essentially two separate components:
The Homeowner’s Insurance Portion
Homeowner’s Insurance
Your home is probably your most valuable asset. But we know that it is more than just an asset, it is your home – where memories are made. This is where you live, relax, and raise your family. At Campbell & Haliburton, myCH, we’ll help you protect it.
How Much Insurance Do I Need?
Knowing the amount of home insurance you need can be confusing. Generally, you should insure your home for the cost to rebuild it if something happened. This may, or may not, be what it would sell for today (market value). At Campbell & Haliburton, myCH, we will help you determine what it would cost to have your home rebuilt should the unthinkable happen. We have tools that can help you determine the cost to rebuild so that you can be properly insured.
What Kind of Insurance Do I Need?
Home Insurance packages are not one size fits all. We all have different needs and different budgets. At Campbell & Haliburton, myCH, we will help you figure out the best home insurance for you. Confused by terms like Prestige, Broad Form, or Comprehensive Insurance? We’ll explain this to you in ways that will make sense. Plain talk you can understand – not insurance speak.
Homeowner’s Insurance Components
Your Home –
Replacement Cost and potentially Guaranteed Replacement Cost
Sewer Back-up and Overland Water Protection
Your Personal Belongings – everything from couches to clothing and toothbrushes to TV’s, and coverage for special items such as:
o Jewelry
o Bicycles
o ATVs
Discounts – How do I save money on my insurance?
Being “mortgage free”
Being “claims free”
The Farming Exposure
Farm Buildings.
– Quonsets
– Shops
– Barns
– Fuel Tanks
– Granaries
Machinery
Irrigation Equipment
Tools
Tack Equipment
Fertilizer & Chemicals
Grain
Fodder
Livestock
Firefighting Coverage
Farm Liability
Insurance for Custom Farming
The Fine Print
This is a summary. All farm insurance policies contain terms, limitations and differences. We understand them, and we’ll walk through them with you. For all of these coverages there are limitations and exclusions. And in all cases the actual insurance policy wording is what will be used in the event of a claim. While we are not writing each and every exclusion here, we do have the wordings and will make sure that you are not just given a copy of the them, but also that they’re explained to you before you purchase, and more importantly before there is a claim.