农场调度与地毯式覆盖

当你考虑为农场或牧场投保时, among your choices you'll need to consider is blanket coverage versus scheduled.

Scheduled coverage individually insures farm personal property which is any non-household personal property that is used in or produced by the farming operation. The four main categories of farm personal property generally included in 农场牧场政策 是:

• 粮食和饲料
• 牲畜
• 机械及灌溉设备
• 工具及用品

全面覆盖vs计划覆盖

T在这里 are benefits to both blanket coverage and scheduled and you may choose to do one or the other given your farm operations, and be aware that it's not uncommon to use both to provide the best coverage for your operation and your needs.

计划的pp王者电子官网范围是什么??

Scheduled coverage typically pays up to the value of the item of personal property listed on the schedule of the insurance policy. 在某些情况下, the insurer is required to pay up to the amount of the personal property item listed on the schedule regardless of your total property limit. Also keep in mind that if the values on your property schedule are not current, 如果发生重大损失，你的pp王者电子官网可能会严重不足.

Other points to keep in mind when you are considering scheduled coverage:

• Generally, you can pick and choose which farm personal property is to be listed. If the item is not scheduled, then it would not be covered in the event of a loss.
• 计划的每个项目都必须有一个描述. As an example, machinery would need a make, model, year, serial number, etc.
• Irrigation and all components are typically something that you would schedule.
• 家畜, most blanket coverage policies often set a per head value limit based on the type of livestock which may leave you with not enough coverage for higher-valued animals.
• Hay and straw in the open could be covered but t在这里 may be exclusions to ask about.
• 工具之类的项目, supplies and miscellaneous equipment that are valued at lesser amounts may be grouped together in the schedule.

什么是地毯式覆盖?

地毯式pp王者电子官网为您投保的农场财产提供总限额. Blanket coverage is usually applied to an entire scheduled list of farm personal property. 在大多数情况下，所有农场个人财产都包括在内. 如果有你不想投保的项目, 这可能是您想要使用计划覆盖率的地方.

Another point to consider is that blanket coverage can have minimum coverage amounts for the total blanket.

And t在这里 is a per head limit on livestock so be sure to discuss the amount of coverage you need per head of livestock to make sure the blanket fits your coverage needs.

共同pp王者电子官网的惩罚

A very important concept to understand when selecting coverage for your farm personal property is the coinsurance penalty, 你会因为pp王者电子官网金额不足而受到惩罚吗.

Coinsurance applies generally to blanket coverage but may also apply to groups of items combined on a scheduled basis, 比如牛, so you should review your limits when you select coverage amounts to make sure they are accurate.

It's recommended that the farm personal property be insured at 100% of the actual cash value. 但如果你选择安排你的私人财产, often it's required you be at a minimum amount of the actual cash value of all the property at the time of the loss.

Value of certain types of farm commodities such as grain and livestock can fluctuate due to inventory size or market prices, 所以最好的做法是每年回顾一次. Insuring at 100% of the value allows for fluctuations which may occur over time.

Proper valuation of farm personal property must be maintained to avoid a coinsurance penalty. If coverage drops below a certain amount of the actual cash value of farm personal property this means a coinsurance penalty applies and you will be underinsured at the time of a loss.

欲了解更多信息，让我们帮助您联系 国营农场^® 代理. They can assist with providing more information on what is and is not covered.