insurance Coverage for a Small Producer in NY

[buckeye gold]

Insurance companies can be a pain in the butt for sure. They are all promises when they want your business and all denial when you have a loss. It almost seems like you need to change every few years to keep them in line. When they think they got you they raise rates. Sometimes I think they look for a reason to cancel you after you been a long term customer. The actuaries figure your due for a big claim and if they dump you all those premiums are secured profit with no out pay. Oh well, I digress. I would simply shop around and see who will do what. In our area a lot of homes have outdoor wood furnaces right close to a home, they surely aren't any safer than an evaporator that will only run select days for 6-8 weeks. Maybe an appeal with a detailed description would help. Your agent should be doing this for you. You being on a residential lot may be a big problem. I have asked my agent and he says I am covered under my umbrella for the farm.

I am curious, has anyone here had a Maple related claim? How did your insurance treat it? I know I am just a small hobby guy and if I suffered 100% loss on my shack and equipment I could just bear it and be Ok. I'd hate it but it wouldn't ruin me. Everything is paid for and I'd probably just quit. So I don't worry about it. It is no danger to my house as it is a quarter mile from my house. It is closer to my rental house, but still a safe distance.

[collinsmapleman2012]

i sent you a message, i might be able to help you out.

[Spanielslovesappin]

Farm Family is great! The basic coverage (SPF10) is great for small maple producer but more importantly they are great to deal with in a claim; that's really what matters. Well worth leaving your agent who doesn't sell what you need or sells it at a ridiculous price.

[Z/MAN]

I went with Farm Family to insure my small hobby operation, at the time I switched all my insurance over with them. This was a few years ago. Last year my wife had a freak accident with her car running away in the driveway and down the hill and ending up in my neighbor's yard. The car ended up totaled! Farm Family went above and beyond to make things right. Beyond fair, quick, careing, great communication, all A#1 service! I cannot say enough good things about Farm Family. I highly recommend them.

[Ghs57]

I met with an American National agent on Friday at my house. He was very thorough reviewing the property, equipment and buildings, including pictures. No quote yet though.