Feedlot Cattle Insurance in Fredericksburg, Texas

Coverage Designed for Hill Country Feedlots

Fredericksburg, nestled in the Texas Hill Country between San Antonio and Austin, combines historic ranching traditions with modern cattle operations. Local feedlots like Immel Feed Yard and Gillespie Livestock Company run hundreds of head and face unique weather conditions. Summers bring hot and muggy days while winters are short, cold and windy. Rainfall arrives steadily with around thirty-two inches yearly including May and October as the wettest months. Snow is rare but when it falls it leaves an inch or so that can still challenge penned cattle .

Feedlot Cattle Insurance from National Livestock Insurance covers cattle mortality based precisely on your valuation schedule. Veterinary fees are not included. Instead you receive payment equal to the market value of cattle that die from specified causes. Covered events include fire lightning windstorm flood drowning building collapse vandalism theft and even smothering due to a rare blizzard. Optional riders extend coverage to hypothermia contaminated feed or water and the cost of carcass removal.

Why This Makes Sense for Fredericksburg

Fredericksburg’s climate is warm and temperate but also unpredictable. Summers average highs in the low nineties and humidity increases stress on confined cattle . Spring and fall bring rainy periods. May can see close to four inches of rain across several days and October adds more moisture . Those rains can flood low feedlot pens causing livestock drownings before anyone notices.

The lightning that comes with Hill Country storms is a hidden threat. A strike into a metal frame or hay stack can kill cattle instantly. Drought years alternating with heavy rains damage infrastructure leading to accidents. Building collapse coverage is crucial when barns or feeders fail under weakened structures.

Even though snowfall averages only about an inch per year and ice is rare, any freeze can chill or smother penned cattle. Unless cattle beds are cleaned and pens fortified, sudden cold can be deadly. Our optional hypothermia covers steps in when cattle die from rapid temperature drops.

Rural properties see occasional vandalism or livestock theft. A broken fence could result in lost cattle through fences cut deep into the night. Theft and vandalism coverage ensures that the incident does not sink your operation financially.

How the Valuation Schedule Works

Instead of a fixed payout per animal your insurance follows a valuation schedule listing current market values by cattle type and weight. If a head is lost due to a covered cause you receive market-value reimbursement. It aligns your financial recovery with the actual economic loss rather than nadir salvage value.

Perils in Action

Picture a storm in July where heavy lightning starts hay ablaze in a pen. A few heads perish; your fire and lightning coverage applies. In May heavy rain overflows drains; cattle drown in ankle-deep water. You file a claim based on valuation.

Make it November and a cold front drops temperatures quickly. In pens cattle get chilled and die from hypothermia. With that optional rider your loss is covered. The rare snowfall buries pens and trapped cattle suffocate; smothering protection responds with payment. If a fence is cut or cattle are stolen you file under theft or vandalism. When barn walls collapse in windstorm interior cattle deaths are paid for under building collapse coverage.

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