Farm Insurance In Illinois For Real Working Farms
We Know Farm Insurance Because We Farm
At Wohltman-Aherin Insurance,
farm insurance in Illinois is more than a product. It is part of how we live and work. We farm too, so our team understands sudden storms, long harvest nights, and how one breakdown can stop everything. We help farmers match coverage to real operations, from hobby farms to large scale grain and livestock operations.
What A Farm Policy Can Cover
A farmowners policy can combine home, property, and business protections so your farm runs with fewer surprises. We review buildings, equipment, and liability together, then place coverage with carriers that know agriculture in Illinois.
Farm Property Coverage
Protects your farmhouse, barns, machine sheds, grain bins, and tools against covered losses like fire, wind, hail, theft, or lightning. A roof torn by wind or a storm-damaged grain leg are the kinds of risks we plan for with proper limits and deductibles.
Farm Liability Coverage
Shields you if someone gets hurt on your place or due to farming operations. That includes slip-and-fall claims in the yard, damage from a field fire, or livestock that stray onto a county road. If you sell produce at a stand or host school tours, we can talk through added exposures.
Livestock Coverage
Coverage options for cattle, hogs, and other animals, including accidental death, certain covered diseases, or transit losses. We will help you decide when scheduled values make sense.
Farm Operating Interruption
If a covered loss shuts down your operation, extra coverage can help keep you going while repairs are made.
Crop Insurance For Yield And Revenue
Weather and markets do not always cooperate. We place multi-peril and hail options so your yield or revenue has a backstop when drought, flood, or a summer hail path hits one township harder than the next. Corn and soybean producers across Effingham County and Jasper County rely on us to explain dates, units, and coverage levels in plain language.
Specialized Coverages For Unique Operations
Some farms need more than a standard package. We can add a
farm umbrella
for higher liability limits, set up an
equipment floater for tractors and implements that move between fields, and insure farm trucks and grain haulers with the right auto policy. If you host agritourism or seasonal events, we will line up proper liability so visitors and volunteers are addressed.
Why Farmers Choose Wohltman-Aherin
Three generations in Illinois agriculture means practical advice and carriers that understand rural property. Wohltman-Aherin Insurance compares options, helps set equipment values, and supports you during claims so repairs move without delay. From Newton to Stewardson and across Shelby County, our focus is simple: keep your operation running and your coverage current as acres and assets change.
Questions Illinois Farmers Ask
How much does a farm policy cost?
It depends on buildings, acreage, equipment values, livestock, and liability needs. We quote multiple carriers and suggest ways to align limits with budgets.
Do I need a farm policy if I already carry homeowners?
If you operate a farm, homeowners will not address farm buildings and liability, so a farmowners policy is the right fit.
Are tractors and combines covered for full value?
We can schedule equipment to a stated amount and review deductibles by unit.
What about employees or farmhands?
Liability addresses visitors, and we can discuss workers’ compensation or employers liability where needed.
Does farm insurance cover crop losses?
The farm policy can provide coverage for stored grain, but a crop insurance policy provides broad coverage for crops in the field.