We are in process of reviewing our farm owners policy-been put off far too long
Questions-
Anyone else carry coverage on stored grain? 
Anyone ever collected on grain lost from a bin?
How to figure coverage on buildings that would not be replaced-at least not like they stand today?
Deductible options are 1K, 2K, 5K, 10K- is 10K too high?
What are good companies for farm owners coverage?
Is it all about price ?
Thx!