Farm/Ranches

Farmers can't predict weather, machinery problems, or cattle being struck by lightning. We can offer dependable insurance coverage that can work hard for you. We can help you build a policy that fits the needs for your farm or ranch. You will probably need property coverage for buildings, machinery coverage, livestock protection, and farm liability. You wouldn't want the things you've worked so hard for taken away with the wrong coverage.

Farm Trucks/Semis

Coverage is available for the trucks and semis you use on your farm. Coverage is usually rated for the seasonal use these vehicles are used.

Farm Umbrella

If you would have a situation where you were found neglient , your farm insurance policy will provide you with some liability coverage. An umbrella policy will kick in when you reach the limit on your farm underlying liability coverage.

Farm Blanket

A blanket policy within your farm insurance policy is for all the items on your farm you wish to insure, for example all the machinery, grain, livestock, ect.

Standard Farm Insurance

For those hard to place farm premises.

Crop Lines of Insurance

Multi-Peril Crop Insurance

MPCI has many different levels of coverage, it takes a great deal more effort these days than in the past to try to analyze each year which coverage is best of each farmer. It seems every farmer has a different circumstance as to just what is the best policy coverage for him/her that particular year. With the gambles farmers face today with Mother Nature and her disasters or insects or whatever it may be, it's a secure feeling to have your crop covered for a claim that might come up. Of course being paid on a crop loss most likely is not nearly as good as getting the good crop harvested but it does help recoup the large inputs we have into our crops today.

MPCI has been a godsend for Farmers in North Dakota the past several years. Mother Nature has not been kind resulting in huge claims being paid to area farmers whether it was drought, too much rain, hail, insects or not enough heat units for crops to mature.

As I'm sure everyone knows MPCI Is very complicated and is continuously changing from year to year. There are several different ways and levels of coverage. That is why we always meet with our customer's several times a year to make certain they have the best coverage for their operation. We are the largest writers of MPCI in our area and take great pride in giving our farmers the best service available on this complicated program. If you are not presently insured with us please don't hesitate to get in touch with one of our offices and see how we can help you get the coverage you so deserve.

CROP HAIL

Hail coverage has changed dramatically the last several years. Probably the newest type of hail coverage is the companion Hail Policies. You must have a MPCI policy before you can buy one of these policies. These policies have several multipliers, they can be very advantageous in the event of a small loss as they are multiplied times the factor that you have purchased. With a small loss there would most likely not be a loss on the MPCI policy, but there would be very good coverage on Companion Hail Plans. It covers the GAP that a MPCI policy wouldn't cover.

The market has soften for hail coverage in ND the last couple of years, but be very cautious about waiting to buy hail coverage after July 1 st . Many companies don't write hail coverage after this date.

Another new feature we have with crop hail is the Auto Crop feature. This works out very well as hail coverage is automatically added on when you report your MPCI acres. There would be automatic coverage even if you haven't reported your acres. We are seeing more and more farmers doing this every year.

We write a large amount of HAIL Insurance in this area and always try our best to get the best policy that fits with the crop and your operation. If you haven't bought crop hail in recent years or want to know more, please don't hesitate to get in touch with one of our offices and see how we can help you get the coverage you so deserve and will give you peace of mind from any devastating hail storms.