Who has insurance on their cattle? Is it a separate policy? Or part of the farm policy? We have a farm policy which includes our cattle. We had a claim last year on one of our cows, now the insurance company has decided to raise our deductible from $500 to $2000 because of claim history (we have one other claim non farm related in 20 years). Wondering what our options are? Any suggestions? The other concern is what the farm insurance covers ie lighting, flooding, cattle hit by car, chased by dogs/coyotes. Are their policies to cover health related issues, bloating, twisted gut? We have approximately 25-30 head of cattle, so not a huge herd. But when you loose one its a loss..... Thanks.