Farming Insurance Solutions Backed by Local Experience Since 1985
At Glenn Herring Agency in Munday, TX, we have proudly served farming families and rural property owners since 1985. As a locally established independent insurance agency, we understand that agriculture is more than an occupation in West Texas—it is a way of life. Generations depend on the land, the equipment, and the seasonal success of each crop cycle.
From crop protection to equipment coverage, we work closely with farmers and ranchers to help manage risk and safeguard the investments that keep operations running year after year.
Crop Insurance
Farming carries unique risks that go far beyond traditional property coverage. Weather events, fluctuating production levels, and operational hazards can significantly impact a season’s profitability. Farming insurance is designed to help reduce financial exposure while allowing you to focus on planting, growing, and harvesting.
Multi-Peril Crop Insurance
Multi-peril crop insurance is one of the most important protections available to farm operators. This coverage is structured to help offset losses when yields fall below expected levels due to covered events. It provides financial stability during unpredictable seasons and helps protect the long-term sustainability of your farming operation.
Covers production loss
Production loss coverage helps compensate farmers when actual harvested yields fall short of insured expectations. Whether caused by weather conditions or other covered events, this protection helps stabilize income and maintain operating cash flow.
Weather-related losses
West Texas weather can change rapidly and dramatically. Multi-peril policies are designed to respond to a variety of natural events that impact crop performance.
Wind
High winds can damage standing crops, reduce yields, and affect quality. Coverage helps mitigate the financial effects of wind-related destruction.
Hail
Hailstorms are a common threat in Texas agricultural regions. Even a short storm can severely damage crops. Insurance protection helps reduce the economic impact of hail-related losses.
Rain
Excessive rainfall can lead to oversaturation, disease, or delayed harvesting. Crop insurance may provide support when rain interferes with normal production cycles.
Flooding
Flooding can devastate fields and disrupt an entire season. Coverage can help offset the financial loss resulting from standing water and related damage.
Fire
While less common, fire can still threaten crops under certain conditions. Limited protection may apply depending on policy structure and circumstances.
Farm Equipment Insurance
Modern farming relies heavily on specialized machinery and equipment. These assets represent a significant financial investment and are essential to daily operations. Farm equipment insurance helps protect machinery both on your property and in use during agricultural activities.
Combines
Combines are among the most valuable and essential pieces of harvesting equipment. Coverage can help protect against physical damage, loss, or covered incidents that disrupt harvest schedules.
Tractors
Tractors serve as the backbone of many farm operations. Insurance helps protect these critical machines from accidents, theft, or damage during active use.
Balers
Balers are vital during hay season and other harvesting periods. Protection ensures that mechanical setbacks do not create overwhelming financial strain.
Generators
Generators provide power in remote areas and during outages. Coverage helps safeguard these units from loss or damage.
Power tools
Specialized agricultural tools and powered equipment contribute to operational efficiency. Insurance can extend to smaller but essential tools used daily on the farm.
Buildings
Farm structures such as storage sheds, equipment barns, and utility buildings can also be protected under appropriate coverage options.
Stored equipment
Equipment not currently in use but stored on the property may still be insured against covered risks such as theft or damage.
Temporary equipment (with serial number)
Leased or temporarily acquired machinery can often be insured when properly documented with a serial number. This ensures short-term assets are also protected.
Equipment used in farming operations
Coverage may extend to machinery actively used in planting, cultivating, harvesting, and transporting materials related to agricultural production.
Frequently Asked Questions
Q: What is Multi-Peril Crop Insurance?
A: It is a policy designed to help protect farmers against production losses caused by covered events such as wind, hail, excessive rain, flooding, and certain fire-related incidents.
Q: Does farm equipment insurance cover machinery off the property?
A: Coverage often extends to equipment while it is being used in farming operations, including transport between fields, depending on policy details.
Q: Can temporary or leased equipment be insured?
A: Yes, temporary equipment may be covered when properly documented, typically including a serial number and declared value.
Q: Are farm buildings included in equipment policies?
A: Farm structures such as barns or storage buildings may be insured under separate or combined coverage options depending on the policy structure.
Q: Is weather damage automatically covered?
A: Weather-related protection depends on the type of policy selected. Multi-Peril Crop Insurance specifically addresses many weather-related production losses.
Q: Can I bundle farm coverage with home and auto insurance?
A: In many cases, rural property owners can coordinate farm, home, and auto policies for more streamlined protection.
Contact Glenn Herring Agency in Munday, TX, today to discuss your farming insurance needs. Call 940-422-4359 to speak with a local professional who understands the unique risks facing farmers and ranchers in our community.