Farm Blanket Coverage in North Dakota-Protect Unscheduled Farm Personal Property
Coverage for the "Many Small Things" That Keep Your Farm Running
Farm blanket coverage insures groups of unscheduled farm personal property-like tools, shop equipment, small implements, and supplies-under a single limit. Instead of listing every item, you get broad protection for the essential, movable property that keeps your operation moving. Gateway Insurance helps set realistic limits and clarifies what's included so you're not left with gaps.
When to Blanket, When to Schedule
Blanket Coverage
Covers miscellaneous, lower-value items up to the blanket limit.
Examples: hand tools, portable welders, smaller attachments, shop supplies, fencing gear, general-use implements.
Scheduled Coverage
Covers higher-value or unique items individually, with specific values and descriptions.
Examples: tractors, combines, GPS units, major implements, high-value ATVs/UTVs.
Inventory, Valuation & Avoiding Underinsurance
Review all tools, implements, and supplies that aren't scheduled-Gateway offers inventory worksheets or walks you through the process
Add up replacement costs, not just purchase price-consider seasonal additions or new purchases
Know that blanket coverage is subject to coinsurance-underinsuring can lead to reduced claims payments, so set the limit accurately
Gateway's local agents provide plain-English guidance so you don't miss important items or underestimate your farm's needs.
Common Examples on ND Farms
Hand tools and shop tools
Small attachments and equipment
Power tools, welders, portable compressors
Feed bins, supplies, fencing materials
Some portable tech (if not scheduled elsewhere)
Seasonal and mobile items stored in shops/outbuildings
Exclusions: High-value or unique items (large tractors, combines, GPS, side-by-sides) should be scheduled. Gateway reviews and coordinates blanket with scheduled and inland marine coverage for seamless protection.
Protection for Mobile, Movable, and Shop-Stored Property
Hail, fire, theft, and wind can affect items stored in shops, machine sheds, and outbuildings
Frequent movement of equipment between yard and fields increases exposure
Blanket coverage is built for the real-life risk of loss to many items at once
Farm Blanket Coverage-Questions Answered
What is farm blanket coverage?
It's a single-limit policy for groups of unscheduled farm personal property-like tools, shop gear, and small implements.
Should I schedule equipment or blanket it?
Schedule high-value items; blanket miscellaneous and lower-value property. Gateway helps decide what fits each.
What does unscheduled farm personal property include?
Tools, attachments, portable equipment, and supplies not specifically listed (scheduled) on your policy.
How do I set the right blanket limit?
Review inventory and replacement costs-Gateway provides tools and advice to set limits that avoid underinsurance.
Protect the Essentials-Request a Farm Blanket Coverage Review
Gateway Insurance helps inventory your property, set blanket and scheduled limits, and keep your farm's everyday assets protected with less paperwork.