What Is Livestock and Cattle Insurance?

Livestock and cattle insurance is coverage that protects your animals from the unexpected. Whether on the farm, ranch or in transit, your animals are considered your personal property. And if something were to happen to them due to a covered loss, we’ll help cover the cost to remedy the issue.

Livestock Insurance Costs

We understand that no two farms run exactly the same way, that’s why, at American Family Insurance, our livestock policies are highly customizable. We’ll help you build a single, hardworking policy that protects your individual insurance needs.

Your policy will have limits on the amount we’ll cover for your animals. To select these limits, you’ll choose between two types of coverage:

Unscheduled (blanket) coverage: Blanket coverage is available and intended for insuring all farm personal property inventory under one total limit. An advantage of blanket coverage is our co-insurance terms. This means, that if the insured covers their farm personal property to the full value of all property, then there’s a built-in coverage cushion for when property values fluctuate or if the insured adds property which increases the actual blanket value.

Scheduled coverage: With schedule coverage, you can pick and choose the individual animals you would like to insure and assign a specific amount of insurance to each. This offers you customizable coverage based on your specific needs, usage and budget. And it gives you adequate limits for your higher valued animals.

What Kind of Animals Does Livestock Insurance Cover?

At American Family Insurance, your livestock insurance protects the following animals:

Livestock and Cattle Insurance Coverage Options

When you have livestock insurance through American Family Insurance, your animals are covered for a variety of losses, including:

Accidents: Loading and unloading, electrocution, fire, smoke, explosions.

Natural disasters: Volcanic eruption and sinkholes. You also have the option to purchase earthquake coverage as additional coverage to keep your home and animals protected.

Weather events: Flooding, lightening, wind and hail.

Crimes and civil unrest: Theft and vandalism — take a look at our tips to help you prevent livestock theft.

Collision or other death while transporting.

Keep in mind that there may be a limit on the value of any one animal, although higher limits may be available.

You can add the animal perils endorsement to cover losses caused by:

• Accidental shooting
• Drowning
• Attack by dogs or wild animals
• Collapse of building

Remember that your livestock insurance doesn’t cover old age, disease or death by natural causes. If you’re interested in coverage for these types of losses, your agent can help you learn more about your options.

Livestock Liability Insurance

With your livestock and animal farm insurance, your animals are also provided coverage for liability. So if you’re found to be legally responsible for your animals causing bodily injury or property damage to other people or their property, you’ll have coverage under your policy.

To better protect your farm and acts of your animals, consider the farm and ranch umbrella liability coverage. An umbrella policy is an added layer of protection to better protect you financially in the event of an accident or lawsuit.