Farm insurance
Every farm is different. Whether you operate a full-time farm, manage a family operation or own a smaller acreage, your insurance should reflect the property, equipment and activities you have today. Dassel State Insurance Agency helps Minnesota farm owners review their coverage and understand the options available for their homes, buildings, machinery, livestock, vehicles and liability.
Farm insurance may combine several types of protection into one policy. We will help you review the parts that apply to your operation.
Coverage for the home you live in, your personal belongings and additional living expenses if a covered loss makes the home temporarily unlivable.
If there is another residence on the property, such as a home occupied by a family member or employee, tell us about it so it can be reviewed properly.
Barns, machine sheds, workshops, grain bins, silos, fencing and other structures can represent a significant investment.
We will discuss how each building is used and whether its current coverage reflects what it may cost to repair or rebuild.
Tractors, combines, skid steers, loaders, planters, tillage equipment, augers and other farm machinery can change in value as equipment is purchased, sold or traded.
Keeping an updated equipment list can help make sure your policy reflects what you currently own.
A farm may also need protection for tools, shop equipment, parts, feed, seed, fertilizer, fuel and other supplies used in the operation.
These items can add up quickly, even when they are not listed individually.
Farm liability coverage can help protect your operation when someone is injured or property is damaged because of covered farming activities.
Visitors, delivery drivers, custom operators and other people may regularly enter the property, making liability an important part of the insurance review.
If you raise cattle, hogs, poultry, horses or other livestock, tell us what animals you keep and how they are used.
Livestock coverage varies by policy and carrier, so we will help you review the available options rather than assume everything is automatically included.
Pickups, grain trucks, trailers, semis and service vehicles may require different coverage depending on how they are titled and used.
We can help determine whether a vehicle belongs on a farm policy, commercial auto policy or personal auto policy.
Contact us when something significant changes in your operation, including:
You do not need to wait until renewal to tell us about a change. A quick conversation can help us determine whether your policy should be updated.
Some farm operations also provide custom work, trucking, equipment repair, roadside sales, agritourism or other services for customers.
These activities may require coverage beyond a traditional farm policy. We can review them along with your Business Insurance options.
We work with full-time farms, family farms, hobby farms and smaller acreages throughout Minnesota.
You do not need to know which policy category applies before contacting us. Tell us about the property, animals, equipment and activities involved, and we will help you explore the appropriate options.
It helps to have the following information available when we review your farm insurance:
Please keep sensitive information off the website. Do not send Social Security numbers, driver’s license numbers, financial or payment information, or other sensitive details through the website form, regular email or text. We will explain how to share anything sensitive securely after we contact you.
Yes. Custom planting, harvesting, spraying, hauling or other paid work should be discussed when reviewing your coverage. Tell us what work you perform, how often you do it and what equipment you use.
Call us when you purchase, sell or trade a significant piece of equipment. We can review the change and determine whether your equipment list or policy should be updated.
Sometimes. The answer depends on how the property is used, whether animals are kept, whether products are sold and what is stored in the buildings.
Tell us what you do on the property and we will help you determine whether a homeowners policy, farm policy or another option should be considered.
Coverage varies by policy and carrier. Available coverages, limits, deductibles and eligibility will be confirmed during the quoting and application process.
Dassel State Insurance Agency is based in Dassel and works with farm customers throughout Minnesota.