Home Owners' Insurance and Bees

[Jerrymac]

Geico was going to charge me more because of the chickens. I don't understand this.

You ever seen what happens when a chicken goes nuts? I shudder at the thought of it.  :-D

Wonder if it has anything to do with bird flu

[jerryc]

I know that chickens and bees are two of the "Registered Livestock" that require additional liability coverage. I'm just in the first phase of findoing out about all the legalities and paperwork required so I really have no idea why. It appears that even 'granmas one lone pet chicken' requires site approval/inspection, permits, et al.

[Brian D. Bray]

I've had one insurance company my whole life: State Farm.  I've never had a problem because I have bees, chickens or other livestock.  I father also had State Farm.  I now live in the same house he lived in for over 30 years.  My property is zoned residential/agricultural so, at the very least, all existing livestock falls under a grandfather clause.

[BEE C]

Hey cindi,
I just read back to this post.  They denied us farm status due to not enough of a possibility of making the amount needed.  We don't have any other livestock.
Ill check into that place you mentioned next year when we renew. Thanks. steve

[Cindi]

Steve, on Monday I am going to look into farm status for you.  We have farm and it gives enormous tax breaks, among other things.  I will look into beekeeping and see if it qualifies.  Not to get your hopes up, but I think that bee farming is a lot like aquaculture, horticulture, (apiculture),milkyculture (oops, just kididng).  Get yourself a couple of "beefies" and raise them each year for tax status.  These all generate income from own's property.  I am on a mission on Monday for ya.  Best of the great day.  Cindi

[danno1800]

We had an agent from American national Insurance come to our bee club to tell us about a homeowners policy they offer which is especially designed to cover hobby beekeepers and small farms. I had him do a comparison of my current homeowners coverage and rates & ended up switching. You can check it out on their website: http://www.anpac.com/products/p_c/ag/default.aspx
Good luck & I hope this help you. -Dan