How to Get New Jersey Peach Farm Insurance

Farms can come with many rewards, and a harvest can be the key to success. If you're growing and selling crops, then living off the land has a whole new meaning. A New Jersey commercial policy can include peach farm insurance so that you're fully covered.

Fortunately, a New Jersey independent insurance agent has access to several carriers at once so that you're getting the best policies and premiums. They'll even do the shopping for you for free. Get connected with a local expert and start saving today.

What Does Peach Farm Insurance Cover in New Jersey?

Your New Jersey peach farm will need specific coverage for all that life throws at it. There are numerous policy options you'll need to consider.

What your peach farm insurance generally covers:

• Liability: A general liability policy will provide bodily injury and property damage coverage.
• Commercial property: This policy covers your farm structures, pole barns, and can even insure your equipment.
• Accidents: This can be anything from coverage for electrocution, fire, and smoke, to loading and unloading of livestock.
• Natural disasters: Volcanic eruptions and sinkholes are covered. Typically floods and earthquakes are covered under separate policies.
• Weather events: Lightning, wind, hail, tornadoes, and more.
• Crimes and civil unrest: This is for theft and vandalism of livestock.

Volume of insured acres of farmland in the US from 2016 to 2019, by crop

When you use your land to grow peach trees and crops, coverage is important. First, it's good to understand how you're protected.

What Doesn't Peach Farm Insurance Cover in New Jersey?

In New Jersey, there are 884,049 small businesses in existence. Each one will have exclusions on their commercial insurance coverages. Take a look at the standard policies that are excluded and require a separate policy for your peach farm:

• Crops: Your farm's crops will be covered under a separate crop policy for any damage.
• Vehicles: Some insureds think automobiles or company vehicles fall under farm equipment, but they don't.
• Structures: If you want coverage for any buildings, it will fall under your farm's property coverage.

Additional Coverage for Your Peach Farm in New Jersey

You can obtain the basic policies for your peach farm, but you may want to consider some extra coverages for added protection. Check out additional policy options for your New Jersey peach farm:

• Commercial umbrella insurance: This policy can be obtained for additional liability coverage above and beyond your underlying limits. 
• Inland marine insurance for farm equipment: This can be added to any farm policy that uses equipment, tractors, and more for tending to their farm.
• Extended liability limits: You can increase your underlying liability limits for added coverage.

Average farm size in the US from 2000 to 2020 (in acres)

The size of your peach farm will play a role in how much coverage is needed. If you are insuring more acres, then you'll need adequate protection.

Common Risks for Your New Jersey Peach Farm

There are numerous risk factors when you own a New Jersey peach farm. The most detrimental will be the weather and crime. Take a peek below at what your farm could come up against in New Jersey.

Common New Jersey risks that can impact your premiums:

• Severe storms and lightning damage
• Hurricanes and tropical storms
• Flooding and water damage
• Heavy snow
• Burglary and other property crimes

How to Connect with an Independent Insurance Agent in New Jersey

Farmland in New Jersey is part of living the American dream. When you run a business from the soil, it's essential that you have the protection to back up any losses. Fortunately, a licensed professional can help review your peach farm coverage for free.

A New Jersey independent insurance agent has access to multiple carriers so that you have options on policy and price. They'll do the shopping for you at no cost, saving you time. Connect with a local expert on TrustedChoice.com for custom quotes in minutes.