Standing Timber Application

The risks to Standing Timber are real.  Growing timber is a huge investment which includes time, money, labor, and maintenance.  Davis-Garvin Insurance Agency has an affordable standing timber insurance program that can remove the worry and help protect your investment by transferring some of the risks normally associated with timberland ownership.  

What is Covered

  • Wind
  • Fire
  • Ice
  • Theft
  • Lightning
  • Flood
  • Aircraft
  • Explosion 
  • Wind and Flood MUST be excluded on all risks located in the State of Florida and on all risks within 75 miles of the coast.

Timber Valuation

The landowner must provide a formal timber inventory that will be used to determine the value of the timber premium calculation.  

Rating Structure

Premium is based on the estimated value of the timber at the policy inception.


5% of the total property value per tract with $1000 minimum per occurrence
Exception:  Wind & Flood deductibles are based on proximity to the coast

Questions concerning insurance coverage should be directed to:

Davis-Garvin Insurance Agency  -  Forest Specialty Department at (803) 732-8452 or Email.