The June Checklist: Farm & Ranch Insurance Essentials Before Harvest Season

 As we roll into June, it’s a good time to hit pause and make sure your farm or ranch is fully protected before harvest season gets underway. It’s easy to get caught up in the daily grind, but a quick insurance check-in now can save you a world of stress later.

Start by thinking about your equipment. Your tractors, combines, and irrigation systems are some of your most valuable assets. If you've upgraded anything or added new tools to your operation, it’s worth double-checking your policy to make sure everything is covered in case of fire, theft, or breakdown. 

Now’s also a great time to review your livestock protection. Whether it's unpredictable weather or an illness affecting your herd, the right insurance can help you bounce back without missing a beat. 

Don’t forget your buildings and property. Barns, sheds, fencing, if it’s part of your operation, it should be insured at today’s replacement value, not last year’s. 

And if you’ve got help lined up for harvest, make sure your liability and worker protections are in place. Accidents happen, and having the right coverage makes all the difference when they do. 

Finally, take a look at your policy limits and inventory. Have you made any big purchases? Stored up more feed? Grown your herd? Let’s get your coverage updated so it matches what you’ve got on the ground. 

At Insurance Planning we’ve helped folks like you protect their operations for years, and we know every farm and ranch is unique. Give us a call or stop by—we’ll make sure you’re covered so you can focus on what you do best. With decades of experience in agricultural insurance, we’re here to help you navigate the ins and outs with confidence.