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Most ranchers have a significant amount of money tied up in vehicles, equipment, and buildings — but the biggest investment of all is usually the livestock. These animals are not only expensive, but they also provide the income ranch owners and farmers rely on. Texas County Mutual Insurance, based in Licking, MO, and serving ranchers throughout the Ozarks, recommends getting livestock and farm insurance to protect your livelihood from the unexpected.

While you may do everything possible to protect your livestock, unpredictable disasters can arise and wipe out your entire investment without any notice. All it takes is one unexpected severe weather event, a barn fire, or a lightning strike to wipe out everything you've already spent, as well as your income for the next season. Many of these risks are completely outside your control, but quality livestock insurance will compensate you for the losses so one accident doesn't force you out of business.

farm insuranceLivestock and crop prices are also subject to wild price fluctuations, which means the price could drop just before you bring your livestock to market. A market-value policy can be an important part of your farm insurance coverage, making sure you have the funds to keep operating if the market price drops below a certain point. If it does, the insurer will pay the difference between a predetermined minimum value and the actual prices on the market. For many, the ranch life is filled with uncertainty, so insuring livestock can provide priceless peace of mind.

For more than a century, Texas County Mutual Insurance has been protecting Missouri farmers with a wide range of specialized policies and unbeatable customer service. Visit their website to learn more about their broad selection of farm insurance policies, or call (573) 674-3125 to make an appointment with or request an insurance quote today.

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