banjobj,
Depending on how you classify your property mine is all handled through a farm policy. Anything and everything that happens is covered for all my equipment, animals, land and buildings. Total I have about 200 acres now, 100 head of cattle, and 15 horses. My policy covers destruction of all the above plus any destruction to the equipment or property. What it doesn't cover is illness on the animals and mechanical breakdown on the equipment. My total price for my farm policy, which also includes the house, is $930 a year. This also covers automobiles when they are being used for the business of the farm but not when they are being used for personal use which I have the regular auto insurance for. This was way cheaper than trying to cover everything through a homeowners policy. Might be worth checking out if you can classify as some sort of farm or ranch operation.
