Does my farm policy cover my equipment if it breaks down due to mechanical failure?

Standard policies cover "perils" like fire or theft, but mechanical breakdown usually requires a specific endorsement. We can help you add this coverage to protect your tractors and heavy machinery from internal failure.

Is my livestock covered if they are injured while being transported?

Many basic policies have limited coverage for transit. If you frequently move livestock to auction or other pastures, we recommend a specific endorsement to ensure they are protected while on the road.

How often should I update my equipment inventory with my agent?

We recommend a review at least once a year or whenever you buy, sell, or trade major pieces of equipment. Keeping an updated schedule ensures you aren't paying for coverage you don't need or leaving new assets unprotected.

Farm Insurance | London Insurance Agency & Insurance Service Center

In the Kentucky and Tennessee area, a farm is more than just a business; it is a way of life and a legacy. Protecting your land, livestock, and equipment requires specialized Farm Insurance that understands the unique rhythm of agricultural life. At London Insurance Agency & Insurance Service Center of SE KY, we are dedicated to providing the comprehensive coverage necessary to safeguard your livelihood and your financial future. Since 1922, we have been a fixture in London, KY & Corbin, KY, and we understand the specific challenges Kentucky farmers face, from unpredictable weather to fluctuating market risks.

As an independent, family-owned agency, we have access to multiple top-rated insurance providers specializing in agriculture. This allows our licensed professionals to compare various policies to find a solution that offers superior protection for your acreage while respecting your operational budget. We work for you, ensuring your needs come first, whether you are running a small hobby farm or a large-scale commercial operation.

Farming in Kentucky and Tennessee comes with its own set of environmental risks. Our agents provide specialized advice on endorsements for perils like equipment breakdown or chemical overspray, which can be devastating to a season's bottom line. If your land is situated near the floodplains of the Tri-County area, we can guide you toward obtaining specialized flood protection for your structures and equipment, which is often excluded from standard farm policies.

Furthermore, we recognize that modern farms often diversify. Whether you host "agritourism" events, sell goods at a farm stand, or offer boarding services, we can ensure your policy evolves to cover these additional ventures. Consider bundling your Farm Insurance with your personal Auto or Life policies to simplify your paperwork and access potential multi-policy discounts.

Insurance isn't just a renewal notice, it's a promise to stand by you when the seasons get tough. Our experienced agents advocate on your behalf, handling communications with insurance companies to make sure your claims, whether for a damaged barn or lost equipment, are addressed with the urgency your business demands. We are here to ensure your coverage grows alongside your farm, through every new purchase and every new generation. You can rely on us to help you maintain a strong foundation for the life you’ve built on the land.

Does my farm policy cover my equipment if it breaks down due to mechanical failure?
Standard policies cover "perils" like fire or theft, but mechanical breakdown usually requires a specific endorsement. We can help you add this coverage to protect your tractors and heavy machinery from internal failure.
Is my livestock covered if they are injured while being transported?
Many basic policies have limited coverage for transit. If you frequently move livestock to auction or other pastures, we recommend a specific endorsement to ensure they are protected while on the road.
How often should I update my equipment inventory with my agent?
We recommend a review at least once a year or whenever you buy, sell, or trade major pieces of equipment. Keeping an updated schedule ensures you aren't paying for coverage you don't need or leaving new assets unprotected.