Irrigation systems depreciate quickly. If your system is only covered at its current value, you might find yourself paying a lot more out-of-pocket than you’d expect, even if the sprinkler you’re replacing is only a few years old. Getting a new system installed is stressful enough without cash flow to worry about, too. Insuring pivots at replacement cost is the best way to minimize downtime and keep you doing what you do best.

Wind, fire, tornado, flood, lightning, vandalism, theft, and collision.

Yes, you want the broadest coverage available on your most expensive equipment. If you have a stand-alone pivot coverage policy, reoccuring losses won’t increase your farm policy, or in some cases cause cancellation, like they would if they were included on your farm blanket.