Farm and Ranch Insurance

What Steffes Agency provides for Farm and Ranch Coverages

At the Steffes Agency, we offer coverage for all your farm and ranch needs. Whether you are looking for livestock, outbuildings, machinery, residence, or personal property coverage, one of our experienced agents can help you get the best coverage at a price you can afford.

The agents at Steffes Agency work with several standard companies to insure you receive optimal coverage. So, whether you are looking to insure your bee farm or a large cattle farm operation, we can find coverage for your unique needs.  

The following is a detailed description of farm coverages that we offer:

Farm and Ranch Dwelling Coverage

Many farmers and ranchers live where they work. Here at the Steffes Agency our agents understand that. We provide coverage for an array of dwellings such as:

  • The original farmhouse
  • Modular/Mobile homes
  • Hunting cabin
  • Split levels
  • Multiple stories
  • Ranch style
  • And more!

Have a log home on the property? Having troubles finding coverage? With minimal companies offering coverage on log-built homes, the Steffes Agency is not one! We can find coverage for this unique home with one of our companies.

Household Goods & Personal Effects

After living in a home for any period of time, you accumulate more than you may be aware of. Do not wait for a loss to happen to find out how much personal property you have accumulated.

Examples:

  • Beds and bedding
  • Furniture
  • Pictures
  • Dinnerware
  • Clothes and shoes
  • Jewelry
  • Children’s toys
  • Tools
  • And more!

What about those items that are expensive and precious to you? We can schedule that! With proper appraisal or recent receipt on each item, we can schedule them with an adequate value. The following are a few examples of what you can schedule:

  • Jewelry and furs
  • Art and antiques
  • Guns and Scopes
  • Musical instruments
  • Stamps or coin collections
  • Expensive cameras
  • And more!

Barns, Outbuildings and Structures

What protects your equipment, grain and cattle from the ever-changing weather? Your barns, outbuildings and structures are important to keep operations going. Are your outbuildings covered properly? A quick review of your policy can protect you from an under/uninsured loss. Our agents are more than happy to make sure that this does not happen. Examples or outbuildings that should be covered are:

  • Barn
  • Pole sheds
  • Grain Bins
  • Silos
  • Quonsets
  • Shops
  • Milking sheds
  • Indoor riding arenas
  • Stables
  • Chicken coop
  • Hayloft
  • Cattle shed
  • And more!

Farm Personal Property

Farm personal property is endless. From blanket coverage to specific items, we offer the coverage that is right for you. Examples of farm personal property:

  • Livestock
  • Tools
  • Grain
  • ATVs
  • Machinery and equipment
  • And more!

Farm Machinery & Equipment Breakdown

Why do you need Farm Owners Equipment Breakdown coverage? All farms have equipment breakdown exposures. Walking around any farm or ranch you will find an assortment of equipment that is exposed to a risk that could cause equipment to be out of service. The following are examples of covered farm equipment:

  • Generators
  • Tractors
  • Combines
  • Hay baler
  • Irrigation systems
  • Sprayers
  • Anhydrous tanks
  • Augers and conveyers
  • Air Compressors
  • Loaders
  • Grinders and mixers
  • Planters
  • Mowers
  • And more!

Every machine needs to be properly running to get the job done. What happens when it is out of service? Operations will slow down and put you behind! Here at the Steffes Agency, we understand how important it is to get everything up and running as soon as possible. The following are examples of what equipment breakdown entails:

  • Mechanical breakdown
  • Centrifugal force
  • Boiler overheating, cracking or bulging
  • Electrical short circuits and undetectable circuitry impairment

Livestock and Grain

Livestock and grain are an essential part of any farm and ranch operation. Having adequate coverage on these risks is an absolute must. At the Steffes Agency, we have a wide variety of options available.

Examples of Livestock coverage

  • Equine
  • Mortality coverage
  • Winter perils coverage
  • And more!

Farm Auto

When it comes time to load up the cattle to go to market or run the grain to the elevator, this usually requires a semi or a large farm truck to do the job. However, there are more “farm autos” than those that just haul. We also offer coverage for ATV’s, Motorcycles, old trucks used to check on fences and more!

Medical Payments

Anytime a farm or ranch is in operation, there is a risk of injury. What happens if someone gets injured? Are you properly covered for even the most severe injury that occurs on your property? Let one of our agents find coverage to protect you and your assets.

Umbrella

Having an umbrella policy offers you the ease of knowing you are protected above and beyond your farm policy.  The coverage generally starts at $1 million and is very affordable.  The following are a few examples of what an umbrella policy can cover for you:

  • Property damage to others
  • Lawsuits
  • Gaps in coverage

How to be Prepared for the Quoting Process:

The agents at Steffes Agency are excited to hear from you. To ensure that we are able to return a quote in a timely manner, the more information you provide and/or a current insurance declaration page will assist in this process.

Any of Steffes Agency agents will gladly assist you in obtaining optimal coverage for a price you can afford. Contact us and receive a no obligation quote from one of our experienced agents.

 

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