How much farm coverage is included in standard homeowners policy?

That is a good question but from my experiance the answer is vauge and will depend on the actual insurer.

They do take into account the actual land associated with the property , source of income (working farm) Etc.

Usually you will need to separate residential and commercial which should benifit you as residential insurance is cheaper.

Agrical and Towergate are two farm insurers that i'm aware of.

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