Sometimes we run into a prospect that "may" fall into what is called a Hobby Farm policy. Now this term Hobby Farm has different meanings to People and Insurance Carriers so please do not get too caught up on the term Hobby Farm
There are times when someone owns large or exotic animals, has acreage of a certain size or has incidental farming exposure but not quite a "full blown" commercial farm operations. Why? Mom and Pops home insurance are not geared toward the "Animal Liability " exposure or most commercial business operations.
As a visual illustration think about a half ton pickup truck, make it a four wheel drive if it makes you feel stronger...haha lol. Then set along side of a Large Tractor Truck with a large 40 trailer. The chassis, horse power and purpose are similar in that they will both haul a load.. but the load capacity for the Tractor Trailer is built for the larger farm ops! Does it cost more you ask? Yes.. it usually does cost more. But.. you do not want to have a claim on a regular homeowner policy and have a large animal or business exposure... "Claim denied" is not what you want to read in a letter after filing a claim! Right?
Usually what happens when we get an inquiry on an account to quote like this is that their current "personal lines" homeowners insurance will not accept them due to underwriting reasons mentioned above.
So in comes Athena Insurance and Financial Services to the rescue. With us, if you are eligible, you may fit into a Homeowners plan that allows the farm endorsement for a "hobby farm" or you may fit into one of our regular Farm and Ranch markets that allow a "hobby farm." If you are in doubt? Don't be.. simply complete the web form below or call us and we will compete it with you. Call 209-223-1870 and leave a message that you would like to schedule a time to complete a hobby farm form for a free no obligation quote.
