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Farm Insurance

An Introduction to Farm Insurance 

A farm insurance policy protects your property and offers liability protection for your home and farm or ranch operation.

Review your valuation options and coverage choices. This will give you a baseline to understand the five main protection areas covered in detail on our website.


A typical farm policy covers five main areas of protection:

  • Home and Contents

  • Farm Personal Property

  • Farm Structures

  • Liability

  • Optional Coverages

Home and Contents

Typical Farm Policy Coverages:

  • Home and tenant dwellings.

  • Household personal property or contents.

  • Detached garage and other structures, including in-ground pools, outdoor radio and TV antennas, and satellite dishes.

  • Materials for constructing or repairing buildings, outdoor equipment, the home, grounds, and attached structures.


Points to consider: Inflation protection, Scheduled Personal Property, Landlord Furnishings, and Fire Extinguisher Recharge.

Farm and Personal Property
Coverage includes items used in your farming Operations:
  • Farm Machinery and equipment

  • Livestock

  • Farm Products (ie: grain, silage, feed, pesticides, and fertilizers)


Points to Consider: Borrowed Farm Equipment, Farm Equipment Rental Reimbursment, Newly Acquired Property and Livestock, Growing Crops, Cargo Coverage, Damage During Towing and Hitching, Foreign Object Damage, Contact with the Ground, and Cab Glass Coverage.

Farm Structures
Your farm policy should cover loss or damage to buildings and structures used in your farming operations, including:
  • Barns

  • Confinement facilities

  • Dairy parlors

  • Silos

  • Portable buildings

  • Pens

  • Chutes

  • Corral fencing

  • Building materials used on farm buildings

  • Private telephone and electric apparatus

  • Fixed irrigation equipment


Points to Consider: Equipment Breakdown and New construction

  • Liability covers expenses you are legally liable to pay, due to bodily injury or property damage


Points to Consider: Agritourism, Unwarranted animal cruelty lawsuits, Employment practices liability, Off-premises use of farm equipment, ATV/Recreational vehicles, Products liability, Equine operations.

Our Focus is Your Future


Our goal is assisting our clients in every aspect of their operation. We’ve provided the most personal service available, thus earning a reputation for excellence in our industry. For each of our clients we strive to help create financial stability and security to provide a successful farm transfer.

Specializing in Agriculture, Farm Risk, Farm Succession, and Farm Transition.

Gary Ottee
David Buss
Jeff Staloch
Contact us today:

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