Farm & Ranch Insurance: Seven Things You Should Know

Word from the Centers for Diseases Control (CDC) says that 28.6 million Americans didnt have health insurance in 2016. This number tells you that there are many people who dont take insurance with the seriousness it deserves. It wouldnt be surprising to find the same trend when it comes to farm & ranch insurance. In the event that insurance is something that has been on your mind, now is the time to take action. But there are various factors that you need to consider before calling the insurance company.


A farmer’s insurance policy in North Dakota can protect your farm operation from perils. It includes fire and lightning, wind and hail, explosion, aircraft and vehicle damage, smoke damage, theft, vandalism, overturn and collision.

  1. Your dwelling is also covered for glass breakage; damage from falling objects or the weight of snow and ice; the collapse of a building or part of a building; frozen plumbing, heating, and air conditioning, and accidental damage from artificially generated electrical current.
  2. Additional dwellings like barns, buildings, sheds, structures, and permanent fixtures are also covered.
  3. Your household personal property owned or used by an insured is insured while it is anywhere in the world.
  4. Farmer’s insurance policies cover farm machinery and implements, usual to the operation of your farm. Farm implements are covered while within the state of North Dakota or 100 miles into the bordering states.
  5. Livestock is covered throughout North Dakota and within 100 miles outside its borders. Harvested crops stored on your farm can be covered; claims are paid on the market value at the time of loss.
  6. Opt for a Trustworthy Insurance Company. With the many insurance companies in town, it can be hard to tell which one is the best. As a rule, go for a company with a good reputation in order to get value for your money.

Bottom Line

Owning a farm is, without a doubt, a rewarding experience. Even so, the same cannot be said should things go wrong. Having farm & ranch insurance means that there will be less need to worry.