Giving You Peace of Mind with the Best in Farm Insurance Products
Ranch and Farm Insurance
One of the specialties of our agency is ranch and farm insurance. We understand the unique challenges and risks farmers and ranchers face, and we have insurance companies that offer custom tailored insurance coverages and programs. It doesn’t matter if you own five acres or 5,000 we can put together a program for you.
Farm Owner Insurance
Farm owner insurance provides coverage for the property on which your farm operates, including:
- Buildings
- Equipment
- Livestock
- Other assets
We can also provide liability coverage for those unique exposures you might have such as product sales or custom farming and harvesting.
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Farm Livestock Insurance
Livestock insurance protects your livestock. Farm livestock insurance policies are easy to customize according to the nature and scope of your specific livestock operation.
Equine Insurance
Equine insurance is specifically tailored to the unique needs of horses and comes with coverage options like mortality and theft, loss of use, and major medical and surgical. If you own horses don’t overlook the valuable coverages that we can offer.
Farm Equipment Insurance
Farm equipment insurance covers your farm machinery and tools from damages and theft. This is critical for maintaining your farm’s productivity and ensuring that you have a backup plan for any damaged equipment that needs to be repaired or replaced. Along with replacing your equipment you can purchase coverage for a temporary rental as well. Let us show you the value in these coverages.
Farm Dwelling and Structures Insurance
If you have homes, cabins, barns, silos, and other functional structures on your farm, this insurance policy protects against mishaps like storms, fires, and vandalism.
Farm Umbrella Insurance
A farm umbrella insurance policy offers an additional layer of liability protection that covers you beyond the limits of your primary agriculture insurance policies. It affords vital protection against large liability claims. It is the cheapest and possibly the most valuable coverage you can purchase. Let us show you how it protects your farm and family.
Farm Liability Insurance
Farm liability insurance covers potential settlements resulting from accidents or injuries that occur on your farm property as a result of the work you do there. A farm liability insurance policy can help you safeguard your farm’s operations, finances, and reputation.
Farm and Ranch Insurance with Garrett Insurance
At Garrett Insurance we take great pride in protecting agriculture producers across the Midwest. Let us show you how we protect our clients and their farming operations. Thank you.
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Frequently Asked Questions
What does farm insurance typically cover?
Farm insurance generally covers farm assets such as buildings, outbuildings, machinery, equipment, livestock, crops, and may also include liability protection for injuries or property damage occurring on your farm.
How does farm insurance differ from homeowners insurance?
Homeowners insurance focuses on residential buildings and personal belongings, but farm insurance is specifically designed to protect commercial agricultural assets—including vehicles, livestock, crops, and farm-related liabilities—that homeowners policies typically don’t cover.
Does farm insurance cover agritourism activities?
Yes, if you host events or customers on your farm (like a corn maze or U-pick orchard), farm liability coverage can help protect you from lawsuits related to bodily injuries or property damage.
Does my farm policy cover tractor tires that are damaged by running over something while working?
It depends on how the tractor is insured. Some schedules will be for named coverages only. However, if it is valuable you may want to look at scheduling it on an inland marine policy. The inland marine policy will provide more coverages. Discuss these options with your agent for best value to you.
Does my farm policy cover animals I own?
Not unless you schedule them. Make sure you discuss how to insure livestock and animals with your agent. Your agent will help you determine what is insurable and help you assign a value to the animals.
Do I need to list all my acres when I purchase a farm liability policy?
Yes, I would recommend you list all your acres you own, rent or occupy for liability purposes. This protects you from a claim from a third party if they had an accident on your property. The charge is very minimal and could prevent a of headaches in the event of a bodily injury or property damage claim.
What additional types of coverage are available for farms?
Additional options include crop insurance (e.g., Multi-Peril Crop Insurance), equipment breakdown, farm vehicle coverage, business interruption, and umbrella liability for extra protection beyond your standard limits.
Why is workers' compensation important for farms?
Farms with employees—family or hired—can face costly liability risks from workplace injuries. Workers’ comp coverage is often required and helps manage this risk by covering medical and wage-related expenses.
OUR PROMISE TO YOU
- We will provide customized solutions and personalized products based on your needs.
- We will be available to you any time so getting important information will be easy for you.
- We will manage your risk as well as any claims that you file.
- We will ease your worry and protect your treasures by transferring identified risks to an insurance product, all the while keeping it simple to understand for you.
We welcome an opportunity to discuss your home insurance needs, so please contact us or give us a call. You can also request a quote if you’re ready to get started.