At Sargent County Insurance & Real Estate, we understand that managing a farm requires a great deal of time and financial investment. To maintain a farm, you need to be committed and love what you do. We are committed to making sure you’re covered, whether you are a large, commercial agribusiness or a small, family run farm.
We take the time to understand how your farm runs – from crops to livestock and everything in between. As a local business, we can conduct on-site visits to conduct free risk management assessments and better understand the risks exposures of your farm.
Our knowledgeable agents can help farmers select what type and amount of coverage is right for them.
Farm Owners Insurance
Sargent County Insurance & Real Estate offers a customizable, all-inclusive insurance option to protect your land, finances, and property. This basic package covers your property and home (with dwelling and personal property coverage) along with comprehensive liability coverage for some extra piece of mind.
Your horse is more than just a financial investment. You have spent hours training, caring for, and possibly competing on; they’re an emotional investment also. We offer a variety of coverage options for your horse.
Some of the options include:
Full Mortality and Theft
Major Medical Coverage*
Loss of Use
We take the time to educate you on the costs and available options to make sure you are getting the correct amount of coverage for your situation.
*Cannot be purchased alone, must be an addition to a Full Mortality and Theft Policy.
Farm Dwelling Insurance
Most farms are not just a business, they are also someone’s home. The right amount of protection depends on the family and situation. At Sargent County Insurance & Real Estate, our agents will work with you to find the best fit.
Dwelling insurance covers your home and surrounding structures. This policy would assist in paying for any damages due to a covered incident and if your home becomes uninhabitable,
will even provide additional living expenses.
Farm Structure Insurance
Some of the most essential elements to your farm are also your largest physical assets. Machine sheds, barns, and granaries are what keeps your agribusiness going, so a disaster would be devastating. Farm Structure Insurance will keep you covered in the event of a fire or other natural disaster. It will make sure that not only are the structures themselves taken care of, but also offers options to protect what is inside. Our agents will work with you to find the correct amount of coverage and create a package covering all your needs.
Farm Auto Insurance
Vehicles are a huge part of day-to-day tasks on your farm. If one of them breaks down, everything else stops too. Farm Auto Insurance covers your personal truck, trailers, and any other vehicle that keeps your farm going. If you own or are just renting your vehicles, this policy will cover damages that could happen to them.
Farm Umbrella Insurance
There are many different risks that come with owning a farm. In many cases, a standard liability policy will cover an accident. But if it's a more serious accident, liability coverage may not be enough. That's when Farm Umbrella Insurance takes over. It’s extra coverage if your farm gets sued, multiple costly injuries happen, or any livestock escapes causing damages.
We are dedicated to making sure your farm is up and running no matter what.
Farm Liability Insurance
Running a farm can be very unpredictable at times. From machinery to farm animals, you never know what could happen. Under this policy, Sargent County Insurance & Real Estate can help cover medical expenses, attorney and court fees, and property damage costs as a result of an accident.
Please contact an agent at Sargent County Insurance & Real Estate to get a quote or for more information on making sure your farm is covered.