Farm Property & Buildings Insurance

One Policy for the Heart of Your Farm

Your operation includes your Livelihood, you want to protect the property you have worked so hard for! Protection for your house, barns, machine sheds, grain bins, garages, fences, and more-plus select farm personal property. Gateway Insurance Agency can help farms protect key structures for wind, hail, fire, and theft coverage.

Home Protection on the Farmstead

While your dwelling is included in the farm policy, it's protected much like a homeowner’s policy, covering the home and household contents for fire, wind, hail, and more. We can review your current policy and look for your replacement cost options, roof settlement coverage, and wind/hail deductibles common across the region.


Extended Replacement Coverage is available for up to 25% or more for the Insured House 

Farm Buildings

Barns, livestock shelters, machine sheds, shops, silos, and grain bins are usually scheduled individually with agreed values. Gateway Insurance Agency reviews the structures on the premises with you, so all insurable buildings are insured.

Farm Personal Property

Policies can include the farm personal property like tools, parts, seed, and feed, on a blanket or scheduled basis. Coverage for grain in bins can be added under property (separate from field crop coverage). We can tailor limits around your storage practices and harvest timing.

Weather, Fire, Theft-and Seasonal Peaks 

Common causes of loss include fire, lightning, wind, hail, theft, and weight of ice/snow. Consider peak season increases if inventory of hay or stored grain swells post-harvest.

Answers for Farm Property

  • Do I need to list each building?

    Yes, if coverage is needed, structures should be scheduled with proper values.

  • Are fences or corrals covered?

    Often limited unless added, ask us to add these.

  • What about snow accumulation on a barn roof?

    Weight of ice/snow is typically covered, subject to your form and limits.

  • Is stored grain covered?

    We can add it under property; field crops are addressed under crop insurance.

To help protect the operation of a farm or ranch, we can offer the insurance coverage you need. Your farm might need multiple coverages, and many farm policies can be packaged together to meet specific needs and risk factors, which we can discuss with you to determine the coverage needed. We want to find the best coverage to protect your most valuable asset, your farm.