Farm/Ranch Insurance is very important to your business. Insurance allows the Farmer or Rancher owner to go about his daily duties knowing his Property, crops or livestock is taken care of and secure from anything from an accident or the weather. Our purpose is to understand by listening to your goals, difficulties, and challenges of your business. Which at that point we are able to customize an insurance plan for your current and future farming needs.
Custom Farm Policy
Not every insurance agency understands farm work and what it takes to run a farm especially if you are in Nebraska, Kansas or Iowa.
Most agencies simply want to sell you policies that often don’t cover your needs or don’t work when you need them. At Brockmann Insurance, we’ve been working with farmers and other agricultural businesses for many years. We offer farming insurance policies that other agencies don’t. We know how to help you protect your farm.
You should protect your farm with a custom policy that combines various coverages into one convenient package. A farm insurance policy covers your property and provides liability coverage that can be customized to the needs of your home and farm operations. While farm insurance policies differ, in general you’ll find four areas of protection:
- Home and contents, including detached garages and other personal use buildings
- Farm personal property
- Farm structures
- Liability protection
Our Farm and Personal Property insurance policies are flexible coverages that can cover everything from your personal dwelling to your farm’s machinery and equipment.
Farm Personal Property
Brockmann Insurance Farm Personal Property policies cover machinery, grain, and livestock, protecting both the tools you use to make a living and the fruits of all your hard work.
- Hay and straw
- Farm products and supplies
- Computers for farm use
From basic coverage to replacement cost, we have a complete line of optional farm products to help you customize the coverage and deductibles you need.
Farm Building Property
Whether you are in Nebraska, Kansas or Iowa, your farm’s buildings are crucial to its success. Whether you own barns for livestock, silos for grain or buildings for your machinery, your outbuildings are often the only thing protecting your livelihood from Mother Nature.
Brockmann Insurance Farm Building Property policies can cover:
- Farm barns
- Farm buildings
- Portable structures
- Grain Structures
- Other structures located on the insured’s property
These policies can be purchased as a package or on their own. This policy may also cover construction materials for new structures on the insured’s property.
Protection for your Farm may include the following coverages:
Protection for your dwelling from damages caused by fire, wind, hail, theft, and more.
Optional coverage to protect other structures on your property from damage including garages, storage sheds, shops, fences, barns and more. With Farm Bureau Insurance you pay only for those structures and coverages you select.
Protection for your personal property/contents of your home and other structures.
Assistance with necessary increased living expenses when your dwelling is uninhabitable as a result of damage by a covered cause of loss.
Personal and Farm Liability
Coverage that protects you against damages arising from an accident that results in bodily injury or property damage to others, for which you are held liable. This coverage also includes court costs and the cost of defending yourself for covered claims.
Medical Payments to Others
Payments for medical, surgical, dental services, ambulance, and hospital expenses are made to those injured on your property as a result of an accident.
Many other options and coverages are available to meet the needs of your specific operation such as:
- Dwelling Replacement Cost Coverage
- Personal Property Replacement Cost Coverage
- Guaranteed Dwelling Replacement Cost
- Inflation Protection
- Increased Limits for Property Away from Premises
- Increased Money Coverage
- Increased Coverage for Theft of Credit Cards
- Sewer Backup Coverage
- Scheduled Personal Property
- Weight of Ice, Sleet or Snow Coverage
- Personal Injury Coverage
- Office, Professional, Private School or Studio Use Coverage
- Business Pursuits Coverage
- Named Insured Medical Payments Coverage
- Identify Theft Expense Coverage and Resolution Service
- Reducing Property Deductible
- Expanded peril coverage for Machinery
- Expanded peril coverage for Livestock
- Farm Related Business Coverage
- Increased Pollution Coverage
- Limited Livestock Liability Coverage
- Farm Cargo Coverage
- Custom Farming Equipment Extension
- Equine Business Liability
Frequently Asked Questions About Farm Insurance
Open peril policies cover anything that happens to your property while named peril only covers a set of predetermined risks. Grain coverage can also be purchased in blanket coverage or scheduled coverage.
Farm personal property coverages are customizable and flexible to fit the needs of your farming operation. We also offer competitive policy bundling discounts that apply to our farm products, so contact your agent to find out if you can receive a Bundle Discount by packaging your Brockmann Insurance products.
It’s important to understand which types of loss your farm insurance policy covers to make sure you have the right amount of protection. We can explain which losses are covered within each property classification of your farm insurance.