What livestock insurance doesn’t cover
General farm insurance policies, including AgriChoice, don’t provide coverage for livestock and poultry losses caused by:
- Old age
- Death by natural causes
If you'd like specialized cattle insurance coverage that protects against disease, old age and death by natural causes, ask your agent about livestock mortality insurance. Your agent will need to acquire a separate policy from another insurer.
Most farm insurance policies provide an automatic extension on farm personal property to cover newly-acquired livestock. It won't typically be covered under livestock insurance.
Be sure to report new animals within the time frames specified in your policy. Also review your policy with your agent to be sure you're aware of coverage limits and reporting requirements for your newly-acquired livestock.
If you choose not to insure your animals, your AgriChoice policy still provides coverage if your animals are struck by a vehicle or are accidentally shot by a hunter.