Working farms
For a working farm, the policy needs to follow the operation: barns and outbuildings, machinery and equipment, livestock, stored grain and feed, and farm liability for the people and products that come and go.
Farm Bureau has deep roots in Michigan agriculture, and farm coverage is a big part of what I write. I want to understand how your operation actually runs before I suggest anything.
Hobby farms and acreage
Own a few acres, a pole barn, some animals, or a tractor outside town? A standard home policy may not fully cover the outbuildings, the equipment, or the liability that comes with them.
A few chickens, a horse, or a table of eggs at the end of the driveway can change what you need. It's worth knowing before something happens, not after.
Where the gaps usually hide
- Outbuildings and pole barns listed at old values, or not listed at all.
- Equipment and tools that live in the barn but aren't on the policy.
- Animals and the liability that comes with them, from a horse to a few head of cattle.
- Side income like custom work, boarding, or a farm stand the policy doesn't account for.
- Home and farm written on separate policies that don't line up.
What I check when I walk the property
We walk the buildings together, list the equipment, talk about the animals and how the land is used, and go through your declarations pages. Seeing it in person is the best way to make sure nothing is missed.
If you'd rather start at my office on Main Street or online, that works too. Most reviews take about 30 minutes, and a full walk of a larger farm can take a bit longer.
Who this fits
Working farms around Lowell and West Michigan, hobby farms and acreage owners, and families with a pole barn, a tractor, or a few animals outside town.