What type of losses might affect me in terms of pivot insurance? Wind, tornado, flood, fire, lightning, vandalism, theft, and collision. Do I want to insure expensive irrigation equipment separate from my farm blanket? If so, why? Yes, you want the broadest coverage available on your most expensive equipment. If you have a stand-alone pivot coverage policy, reoccurring losses won’t increase your farm policy, or in some cases cause cancelation, like they would if they were included in your farm blanket. What’s the biggest problem with most farm policies? Payment