Top Farm Insurance Agency In North East Ohio
America is built on farming. Our nation’s agricultural industry keeps our communities strong and helps us grow. At Ellerhorst Russell Insurance Agency, we recognize the importance of protecting your farm. It’s not just a job, it’s your life.
Since 1915, we have proudly served farms throughout Garrettsville, Hiram, Windham, Mantua, and Portage County, Ohio. We take every client’s farm personally, and work with them to craft personalized insurance policies that offer the highest level of protection for the best price.
After all, you’re not just a customer. For us, you’re like family.
You can expect professional, friendly service with agents who have more than 65 years of combined experience to support you and your farm. We invite you to learn about the coverages we offer, and how we can help you take care of your property.
The Basics Of Farm Insurance
Home and Contents Coverage
Similar to homeowners’ policies, most farm insurance policies are built to cover your home and personal belongings. This is due to the fact that farm policies were crafted around the concepts of traditional farms. Where the farmer would tend to the land surrounding the house, leveraging that property to raise animals and produce crops.
Now, if your farm isn’t right next to your home, no worries. This is something our team can address and exclude this coverage from your policy. That is the benefit of working with a top-in-class agency. ensuring you have the perfect coverage for your unique situation.
Farm Outbuildings Coverage
Farm ourbuildings Coverage is regarded as the most important coverage on your policy. This is built to proctect the buildings where all of the magic hapens, where you store your equipment, and house your livestock. Whether it is a simple storage building, barn where you store your equipment and tractors, keep the cattle and horses. These are things that may be covered with this section.
When working with our team we will make sure you have the coverage needed for each of these buildings. Things such as age and condition of the building may affect the type of coverage.
Farm Machinery Coverage
This type of coverage will is built to protect the vehicles you use everyday to maintain your farm. Such as tractors, trailers, skid-stears, combines and similar types of machinery.
Typically farm machinery coverage is based on the value of that specific piece of equipment, not necessarily the replacement cost.
Meaning that this will need to be updated each year.
We know how vital farm machinery is to a running a successful farm. Being said, we are very adament on making sure that you have the right coverage for you year in and year out. as you buy new equipment get rid of old… make sure that you are protected!
Farmer's Liability Coverage
While this protection is on the top of our must have list form our farmers, the best part is – typically this is the lease expensive aspect of your policy.
If you dont have this on your current policy you may want to look at adding it As Soon As Possible. This coverage protects you from the instance if someone was to get hurt on your farm that wasnt a hired hand. For example if you had the rep from a local tractor store come out to talk about getting you in one of their new tractors, but while he was on your farm he slipped in your barn. If that rep decided to sue, Farmer’s liability coverage would help cover that.
Dwelling Coverages for Farm Owners
Farm Insurance Coverages
Once you’ve protected your home, it’s time to insure your business. Farmers combine their life and work into one space, which means they need well-rounded insurance policies to cover every aspect of their business.
We offer comprehensive insurance for farms that covers everything from unexpected damages to income loss.
Intake Of Foreign Objects
Farm Building Coverage
Farm Liability Insurance
Land Leased or Rented Land for Farming
Farm Income and Extra Expense
Farm Equipment Breakdown
Your Trusted Northeast Ohio Farm Insurance Provider
At Ellerhorst Russell Insurance Agency, we’re here for you and your farm. We make sure you fully understand all the options available to protect your business and home, all while ensuring you get the best deal for your budget.
Our goal is to give you the extra piece of mind you need, and we’re with you every step of the way.
Please reach out to one of our local agents to learn more about our policies, and get a free estimate from one of our farming insurance experts.
Who Is Farm Insurance For?
Farm Insurance is made to fit any farm and farmer. Regardless of what you do, We will help carefully craft the perfect farm insurance policy for you.
Grow corn and countless other types of agriculture? Ellerhorst Russell Insurance can help with that. Even if you have a small hobby farm around your home. There is a farm policy for you.
Dairy farmer? Have a small ranch where you raise show horses or raise goats? We have an insurance product to get you covered.
No matter what your farm looks like, we can custom-tailor a policy to fit your needs, and cover your equipment and buildings, while keeping you safe from liability claims.
How Do I Get A Quote?
Do You Have The Right Farm Insurance?
At Ellerhorst Russell Insurance Agency, We Take The Time To Make Sure You Have The Coverage You Need
You may have farm insurance currently, but are you 100% positive that it is the coverage your need? We often see horror stories firsthand of someone not having the coverage they need or finding out that a local farmer has been paying thousands more than they needed to with unnecessary farm insurance.
The right policy will make sure you are covered where it is most important and help protect you against the unknown. But, what if you have gaps and are missing protection? Well, that is where our team comes in and makes sure we take the time to understand your exact situation and get you the coverage you need.
If you have any questions about your current coverage, the best thing you can do is reach our to one of our agents at Ellerhorst Russell Insurance LLC. we are experts when it comes to farm insurance and can make sure you have all the coverage you need.
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