Insurance Questions from Vienna-Area Families, Businesses & Farmers

We help individuals, families, businesses and agricultural operations explore home, auto, renters, rental dwelling, business, farm and crop insurance. Products and availability depend on authorization, eligibility and location.

Our office is at 1329 E Union Street, Vienna, GA 31092. We're open Monday through Friday, 8:30 AM to 5:00 PM. Call 229-268-4812.

An independent agency can work with more than one insurance company, so we can talk through options from the companies we work with instead of a single carrier.

Start with your name, phone, email and a short message about the coverage you're interested in. We'll gather the rest by phone. Please don't send Social Security, bank or medical details through the form.

Farm insurance generally helps protect the farm operation itself, such as buildings, equipment and machinery, farm vehicles, and liability to others. Crop insurance covers eligible crops against losses in yield or revenue and follows federal program rules and deadlines set through USDA's Risk Management Agency. Many farms carry both. A local agent can review which fits your operation.

It depends on the policy, but farm insurance can help protect farm buildings, equipment and machinery, farm vehicles, livestock and liability to others. Coverage and exclusions vary, so ask your agent what applies to your farm.

Yes. Farm policies can include coverage for livestock, such as mortality and liability, depending on the policy. USDA's Risk Management Agency also offers federal livestock insurance, including Livestock Risk Protection for price declines, Dairy Revenue Protection, and Livestock Gross Margin, sold through crop insurance agents. These federal plans cover market risk only, not animal deaths. Separately, USDA's Farm Service Agency runs disaster programs such as the Livestock Indemnity Program and the Livestock Forage Disaster Program.

Each crop has a sales closing date, the last day to apply for or change coverage. Dates vary by crop and county, so contact us well before planting to review the deadlines for your operation.

In Georgia, USDA's Risk Management Agency has listed February 28 as the sales closing date for cotton, peanuts, corn and soybeans, and January 31 for pecan revenue insurance. The sales closing date is the last day to buy a new policy or change your coverage. Dates can vary by crop and county and can change, so confirm yours with us or on RMA's Map Viewer.

Generally, you can't buy a new policy or change your coverage for that crop year after the sales closing date. Contact us well before the deadline so there's time to review your options.

Yield protection covers a loss in production. Revenue protection covers a loss in revenue caused by low yields, price changes or both. We can help you compare them for your crops.

Yes. Crop insurance policies generally continue each year unless you cancel by the cancellation date or the policy is terminated.

Federal crop insurance is sold only through private crop insurance agents, according to USDA's Risk Management Agency. Cape Insurance Services is a local independent agency in Vienna with 35+ years serving Dooly County and South Georgia farms.

If federal crop insurance isn't available for your crop in your county, USDA's Farm Service Agency offers the Noninsured Crop Disaster Assistance Program (NAP) for losses on noninsurable crops. Ask your local FSA office about eligibility and deadlines.

Bring lists of buildings, equipment, vehicles and livestock, your current policies, the crops and acres you plan to grow, and your production history. Call ahead and we'll confirm what's needed.