Pasture Fire Insurance
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Pasture Fire Insurance is a private policy designed to protect your perennial pasture, rangeland, or forage (PRF) used to feed livestock. This coverage ensures that your investment is safeguarded against the financial impacts of unexpected fires, allowing you to focus on your ranching operations with peace of mind.
What are the premiums and rates?
- Premiums are based on the rate per $100 of liability.
- The minimum annual premium is $100.
- Premium is due at the time of application submission.
- No refunds are available upon cancellation or reduction of this policy at the request of the insured.
- Rates vary by county.
What is the application process?
Acreage Information: All acreage to be insured in the county where you have a share must be listed. Note, you don’t have to insure all the acreage you have in that county for Pasture Fire.
Share Information: Your leased or owned portion of the land, when the insurance attaches, must be specified.
Note: Applications must be submitted each year and can be purchased at any time. Applicants do not need to have a Pasture, Rangeland, and Forage (PRF) Insurance policy to apply.
What is the insurance period?
The insurance period is the later of: January 1st of the year you want insurance to December 31st OR 72 hours after receiving your signed application to December 31st.
How are loss payments decided?
- All losses are subject to a $100 deductible.
- Indemnity Calculation: Multiply the number of acres destroyed by the insurance per acre (IPA) shown on the Statement of Insurance (SOI), then subtract the $100 deductible. Once a determination is made, a payment will be issued within 30 days.
- A fire department service charge of $500 may be included.
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