In Eastern Montana, May marks the beginning of one of the busiest seasons of the year. Calving is wrapping up, branding is underway, planters are in the field, and equipment is logging long hours. With so much in motion, this is also an ideal time to review your farm and ranch insurance.
A quick policy review before summer can help confirm that your coverage reflects the current size and scope of your operation.
Your Operation Evolves Every Year
No two seasons look exactly the same. Land is leased, machinery is upgraded, livestock numbers shift, and new structures are built. These changes can affect your insurance needs, even if they seem like part of the normal course of doing business.
Take a moment to think about whether you have:
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- Purchased a new tractor, combine, sprayer, or haying equipment
- Added acreage or changed rental agreements
- Expanded your cattle herd
- Built a shop, barn, or grain storage facility
- Hired seasonal employees
- Increased the value of your hay, feed, or supplies
Each of these changes may warrant an update to your policy.
Key Areas to Revisit This Spring
Equipment Coverage
Modern agricultural equipment represents a significant investment. Replacement costs have increased substantially in recent years, making accurate values more important than ever.
Buildings and Structures
Shops, barns, corrals, grain bins, and machine sheds should be reviewed whenever improvements or additions are made.
Livestock Protection
Cattle and other livestock are valuable assets, and changing market conditions can alter their insured value.
Liability Coverage
Whether you host visitors, hire workers, or transport products, liability protection remains a critical part of a well-rounded policy.
Crop and Input Values
Seed, fertilizer, chemicals, and stored feed can represent major seasonal investments.
Montana Weather Can Change Quickly
Wind, hail, wildfire, and severe storms are part of doing business in Montana. Reviewing your coverage in May provides an opportunity to address potential gaps before summer weather and harvest demands arrive.
Montanans Serving Montana
At Watts & Kennedy Agencies, we take pride in helping agricultural families protect what they have built. As Montanans serving Montana, we understand the realities of farming and ranching and work closely with producers to develop coverage tailored to their operations.
Whether you manage a family ranch, grain farm, or diversified agricultural business, our team is here to help.
Schedule Your Spring Insurance Review
May is the perfect time to review your farm and ranch insurance before the busiest months of the year.
Contact Watts & Kennedy Agencies to discuss your operation and make sure your coverage is keeping pace with the work you do every day.