Farm/Agriculture Insurance in Florida

Farm and Home Insurance for South Florida Homeowners with Agricultural Exposure

At Hamilton Fox & Comany, we provide insurance solutions for South Florida homeowners who operate small agricultural ventures, such as avocado or lychee groves, on their residential property. Living on the same land as your farm creates unique insurance challenges, sometimes making it difficult to insure your home at all.

As a local agency, we also understand the challenges traditional farming operations have in South Florida and offer comprehensive insurance solutions for row crop growers, nurseries and other agricultural business.

Insurance for Homeowners with Farm Exposure

For South Florida homeowners with avocado, lychee, or other tropical fruit groves on their property, our team of professionals understand your unique challenges and offer insurance solutions that permit this agriculture or business exposure on your property. Whether you’re cultivating a small grove for supplemental income or managing a larger operation, our solutions provide similiar protection to standard home insurance policy, including:

• Home and Personal Property: Protection for your residence, belongings, and structures like garages or sheds against risks like hurricanes, fire, or theft.
• Liability: Protection for third party claims against you as it relates to your personal exposure on your residential property.

We understand that traditional home insurers are unable to insure homes that have farm expsoure, business exposure or may be in a protection class 9 or 10 that is far away from a fire station or fire hydrant. Our insurance carriers can underwrite these risks and cover these types of properties while still meeting loan requirements.

Coverage for Traditional Farms

We also serve larger, traditional farms, such as row crops, nurseries, or diversified agricultural businesses. For these farms, we offer:

• General Liability: Liability or third party coverage for the business, including bodily injury or property damage caused by your negligence. This coverage also includes product liabilty for your produce.
• Farm Structures: Coverage for barns, packing houses, shade houses or other agricultural buildings.
• Large-Scale Equipment: Protection for heavy machinery like tractors, cherry pickers, or large irrigation systems.
• Private Crop Hurricane Coverage: Policies for avocado, lychee or other groves, potted plants and field grown tree farms, covering losses from hurricanes only. For more information see section below.

Our team in Pinecrest, Florida provides expert guidance to protect your agricultural business.

Private Hurricane Insurance for Trees, Crops, Shadehouses & Other Farm Property

We offer an innovative insurance program tailored for the South Florida market. Unlike traditional insurance, which requires time-consuming claims and loss assessments, this Private Insurance Product delivers fast payouts based on predefined weather triggers, such as hurricane wind speeds and hurricane track proximity to your location. This program provides a solution to insure agricultural property or plant inventory that in many cases was not previously insurable.

How does this Private Insurance Program work? Coverage is for Hurricanes only, and has three coverage triggers, with your potential recovery being based on whever trigger results in the highest payout. Payouts vary based on wind speed charts agreed upon prior to binding coverage.

• Proxy Measurement: Utilizes a risk analytics platform for catastrophic events to assess 60-second sustained wind speed during a tropicl storm or hurricane.
• Anemometer Network: Uses real time 60-second wind speed data recorded at specifically designed hurricane hardend anemometer locations throughout Florida. The closest anemometer location to our office is Turkey Point.
• Storm Track Proximity: Data comprised by the National Hurrican Center to determine how close the center point of the storm passes to your insured location.

Contact us to customize an insurance plan for your shadehouse, grove, potted plant inventory or other agricultural property.

Why Choose Hamilton Fox Insurance?

• South Florida Expertise: We understand local risks, and the challenges agricultural risks face in the local market.
• Trusted Partners: We work with top rated insurers that have the financial backing and a proven claims paying track record.
• Innovative Solutions: With expertise in the challenging South Florida insurance market, we deliver innovative insurance solutions that provide alternatives to the Federal Crop program as well as having the ability to cover shade house structures that were previously uninsurable.

Frequentley Asked Questions

Q: Can I insure both my home and farm under one policy in South Florida?
A: Not exactly, for homeowners with avocado or lychee groves on their property, we offer integrated policies that cover your home, personal property and personal liability exposure under one policy. If windstorm coverage is needed this is usually secured through a seperate stand-alone policy. 

Q: How can I protect my avocado or lychee grove from hurricane damage?
A: Our Private Hurricane insurance program is an innovatitive solution, which provides rapid payouts based on hurricane-related triggers like wind speed and proximity. One major limitation is that this coverage is for Hurricanes and Tropical Storms only.

Q:Are shadehouses covered under farm insurance?
A: Shadehouses are usually deemed to be uninsurable through traditional farm insruance policies in Florida for the peril of windstorm. This is due to the delicate nature of shadehouses and the high probibilty of damage during a moderate windstorm. Shadehouses can be insured under a seperate policy through the Private Hurricane Program as mentioned above. 

Protect Your South Florida Home and Grove Today

Whether you’re a homeowner with a small avocado or lychee grove or a traditional farmer, Hamilton Fox Insurance offers tailored insurance solutions to protect your property and livelihood. Our Private Hurricane Program ensures fast recovery from South Florida’s unpredictable windstorms. Contact us for a free quote and secure your peace of mind.

Call our general agency line at 800-263-1947 Option 2 for residential farms or Option 3 for commercial farms. Or send us an email at quote@hamfox.com.