Homeowners FAQs

Why is Nationwide a strong choice for Georgia farm and rural property?

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Quick answer: Nationwide is a mutual company founded in 1926, with a long track record of paying claims.

Nationwide, available through Olive Cover, is a strong choice for Georgia farm and rural property because it offers coverage built specifically for farms, outbuildings, livestock, and equipment, which a standard homeowners policy does not handle well. A farm and rural property has exposures a typical suburban home never faces, and Nationwide has a long history of insuring these operations with tailored protection.

The reason ordinary home insurance falls short is that a homeowners policy mainly covers the house and personal belongings. It generally will not properly cover a working barn, farm machinery, stored crops, or animals, and it often excludes business activity, meaning the farming you do for income. A dedicated farm program fills those gaps.

Coverage that matters for Georgia farms and rural properties includes:

  • Barns, sheds, and other outbuildings
  • Tractors, harvesters, and farm equipment
  • Livestock and, in some cases, stored crops or feed
  • Farm liability for injuries to visitors, farmhands, or others on the property
  • The farmhouse itself, often combined with the farm coverage in one program

Farm liability is especially important on rural land. If a visitor is hurt by an animal, a piece of equipment, or a hazard on the property, that exposure is larger and different from a city lot, and the farm program is designed to respond to it.

For example, a Middle Georgia family runs a small cattle operation with a barn, two tractors, and a herd. A barn fire destroys the structure and damages equipment, totaling about $220,000. A standard home policy would have paid little, because the barn and machinery are farm property, while a Nationwide farm program covers the buildings, the equipment, and the lost contents.

Matching the right farm program to your land, buildings, and operation is the key to avoiding ugly gaps. We can compare Nationwide and other strong personal carriers for your property with a free coverage review at our coverage review page.