Pasture Fire / Hay Fire Insurance

Product Overview

Understanding Pasture Fire / Hay Fire Insurance

Pasture Fire / Hay Fire Insurance is a specialized insurance product designed to protect livestock producers against the financial losses incurred due to fire damage to pastureland and hay supplies. This insurance coverage offers ranchers a crucial risk management tool to mitigate the potential disruptions caused by fire incidents, ensuring the continuity of feed supply for their livestock.

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Pasture Fire

Pasture Fire Protection insures pasture, rangeland, and forage ground against fire caused by lightning strikes, equipment and machinery, and weather-related downed power lines.

Annual Policy

Annual policy that can be renewed or revised each year. Coverage per acre is selected by the insured and varies by provider.

Fire Department Services

Coverage includes charges from fire department services ranging from $500 - $750 and varies by provider.

Eligibility

Eligibility is based on covered acres and must be in an area that has some type of fire protection services, either private or public.Eligible Crops.

Sales Closing Date

Sales closing date varies by insurance provider.

Hay Fire

Hay Fire Protection insures stacks, chopped hay, baled hay, or cubed hay.

Storage

Hay can be stored in open areas or in buildings or structures.

Exclusions

Excludes growing hay.

Direct Loss

Covers direct loss due to fire, lightning and removal from premises endangered by these perils.

Additional Coverage

Additional coverage may be available for hay loss due to windstorm or collision during transport.

Sales Closing Date

Sales closing date varies by state and insurance provider.

Available to all qualifying producers regardless of race, color, national origin, religion, sex, disability, age, marital status, family/parental status, income derived from a public assistance program, political beliefs, or reprisal or retaliation for prior civil rights activity, in any program or activity conducted of funded by USDA (not all bases apply to all programs).

Why Work With Us for Crop Insurance

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Dedicated Specialists

Our agents are non-commissioned and focus 100% of their time on crop insurance and livestock insurance — every working day of every week in the year. They don’t sell property, casualty or life insurance.

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Highly Trained

Our insurance officers receive annual training on RMA changes to crop insurance and livestock insurance plans and stay informed throughout the year.

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Financial Expertise

As a lender, we understand financial risk and work to protect your working capital, not just your crop or livestock.

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Exclusive Tools

Leverage our exclusive policy review and Hail Analyzer tools to receive a personalized insurance plan - maximizing your net indemnity, cash flow, forward market opportunities, and minimizing your premium costs.

Trigger Yield Calculator

Trigger yields assist producers with crop insurance and risk management decisions. Understanding what will trigger loss payments is an important part of choosing the correct level of crop insurance coverage.