Farm and Ranch Insurance

City folks think farming is just a simple life. But farming today is more complex than ever.

If you are uncertain about what your policy currently covers; if you have altered your farming processes from when you first got your policy; or do custom farming operations we can help.

Big or small WE have multiple companies to offer you farm coverage choices to suite your particular farm business.

• Traditional production farms and ranches
• Extra protection for expanding farms and ranches with commercial exposure
• Smaller farms and rural acreage
• Customization that fits the specific needs of your operation (see coverage options below)

Build your policy to protect farm homes, buildings, machinery, equipment and livestock. Then, we will discuss optional coverages you can tailor fit to meet your exact needs. That means, you only pay for the protection you need, and nothing you don’t.

• Disruption of farming operations in case of extra expenses and loss of income caused by a covered loss to a building or piece of equipment.
• Identity fraud expense coverage that can reimburse you for covered expenses incurred in restoring your identity.
• Earthquake coverage for farms and ranches with fault lines nearby.
• Farm machinery and equipment replacement coverage for equipment up to five years old.
• Peak season coverage endorsement for harvest times, or when you have greater than average quantities of product in storage on your property.
• Sewer/sump pump backup… just in case.
• Temperature sensitive endorsement for covering temperature-sensitive products, as a result of a temperature control fluctuation.
• Borrowed or rented Equipment
• Rental reimbursement on farm machinery and equipment while you wait for yours to be repaired
• Equipment breakdown for fixed equipment in outbuildings
• GPS equipment in case of loss by special causes
• Cab glass repair or replacement
• Foreign object damage to combines
• Damage during towing and hitching
• Farm machinery contact with roadbed or ground
• Borrowed farm machinery covering primary
• Fire extinguisher recharge

Your operation is more than a business, it’s a legacy, a livelihood and your personal version of the American dream. Let us help you design a policy to protect the things you care about most.

While insurance products may seem similar, they are vastly different, especially in the commercial insurance market. The lowest price may cost you in the end.

Since there is no such thing as a one size fits all insurance policy as independent insurance agents, we offer multiple companies to give you choice.

Contact us today to learn more!