A farm insurance review is easier when you can describe what you own, how you use it, and what has changed since your last discussion. A little preparation helps your agent assess whether your current cover still fits your property, equipment, vehicles, and day-to-day operations. Before the meeting, gather recent records and note any details you are unsure about. You do not need to make coverage decisions on your own; the goal is to provide accurate information and ask clear questions.
Document Property and Buildings
Make a list of the land, buildings, and structures you want to discuss. Include sheds, workshops, silos, yards, fences, pumps, and other fixed improvements. Note each structure’s location, approximate age, construction materials, current condition, and use. Flag recent renovations, additions, or damage, and bring plans, invoices, or photos if you have them.
Record details that may affect rebuilding or repair, such as building size, roof type, and the services connected to it. Keep notes on how buildings are used, especially if a space has changed from storage to processing, accommodation, or another purpose. If you are uncertain about a measurement or feature, mark it for confirmation rather than estimating it as fact.
List Equipment and Vehicles
Prepare an inventory of machinery, tools, and other valuable equipment. For each item, note its make, model, year, serial number if available, condition, and how it is used. Include attachments and equipment kept away from the main property. Purchase records, service documents, and current photographs can help identify items and support a discussion about their value.
List farm vehicles and trailers separately, including registration details, ownership, usual drivers, and typical use. Mention whether vehicles travel on public roads, stay on the property, or move between locations. Tell your agent about recent purchases, sales, major repairs, or changes in use. Ask how the relevant policies treat equipment or vehicles while they are being transported or used off-site.
Summarize Farm Operations
Write a short overview of what the business does and where it operates. Include the types of crops or livestock, seasonal work, processing or storage activities, and any services provided to others. Note changes such as adding a new enterprise, leasing land, hiring workers, hosting visitors, or using contractors. These details help your agent understand the activities that may need to be considered.
Gather useful business records, such as current asset lists, recent purchase documents, lease agreements, and information about employees or contractors. Share details about products stored, transported, or sold, and identify any locations used beyond the main farm. You do not need to send every document in advance; ask which records the agent needs and how to provide them securely.
Prepare Questions and Changes
Review your current policy documents and note anything you do not understand, including limits, exclusions, deductibles, or requirements you must meet. Make a separate list of questions about how cover applies to your actual work. For example, ask about newly acquired assets, temporary storage, seasonal operations, and what steps to take after a loss.
Before the review, check that the details you provide are accurate and current. Point out information you could not verify, and ask what needs follow-up. Avoid assuming that a listed asset, activity, or location is covered without checking the policy wording. A clear conversation with your agent can help you understand available options and identify any information needed for the next step.
A useful farm insurance review starts with an up-to-date picture of your property, assets, vehicles, and operations. Organize what you have, note recent changes, and bring questions about anything unclear. Contact Perth Farm Cover to discuss your information and ask what documents to prepare for your review.