FDIC-Insured · Backed by the full faith and credit of the U.S. Government
Farming is more than a business—it’s a legacy built on hard work, dedication, and generations of commitment. Protecting your operation requires more than a one-size-fits-all policy. With customized farm and agricultural insurance, you can safeguard your land, equipment, livestock, and livelihood from the unexpected.At State Bank & Insurance, we understand the unique risks that come with farming. As a family-owned bank and insurance agency, we work alongside you to build coverage that fits your operation today—and grows with you into the future. Farm insurance isn’t just about protection—it’s about preserving everything you’ve worked so hard to build.
Farm and agricultural insurance policies are highly customizable, but most include a combination of the following core coverages:
Farm property insurance protects the physical assets that keep your operation running. This may include:
Coverage typically protects against risks like fire, wind, lightning, hail, and theft.
Farm liability coverage protects you if your operation causes injury or property damage to someone else. Examples include:
Liability claims can be costly, making this one of the most important components of farm insurance.
Modern farming depends on expensive equipment. This coverage helps protect your investment. Covered items may include:
Policies can often be tailored to cover replacement cost, breakdowns, and transportation risks.
Crop insurance helps protect your income from loss due to weather, natural disasters, or market volatility. Common types include:
Crop insurance is especially critical for operations that rely heavily on seasonal production.
Livestock insurance provides protection for animals against unexpected loss. Coverage may include:
This ensures your investment in livestock is protected.
Farm auto insurance covers vehicles used for agricultural purposes. Examples include:
Coverage may include liability, physical damage, and medical payments.
A farm umbrella policy provides additional liability coverage above your standard farm policies. This helps:
It’s one of the most cost-effective ways to increase your overall protection.
Farm insurance isn’t just for large operations. It’s designed for a wide range of agricultural businesses, including:
Even small or part-time farming operations face risks that standard homeowner’s insurance won’t cover.
Farm insurance is unique because it combines multiple types of coverage into one policy:
This hybrid structure allows you to protect both your personal and business assets under one plan.
Understanding your risks helps you choose the right coverage. Some of the most common risks in farming include:
Farm insurance is designed to address these risks with tailored solutions.
The right amount of coverage depends on several factors:
There is no one-size-fits-all policy—customization is key.
Depending on your operation, you may also need:
These optional coverages help fill gaps and provide more complete protection.
When selecting a farm insurance policy, consider:
At State Bank & Insurance, our agents take the time to understand your operation and match you with the right coverage options.
As a family-owned agency serving Spencer, Everly, Peterson, and surrounding areas, we bring local knowledge and personalized service to every client.
We offer:
We don’t just sell policies—we build long-term relationships and help protect your legacy.
Your farm represents years—often generations—of hard work. Protect it with coverage designed specifically for agriculture.
Contact us today to request a customized farm & ag insurance quote and ensure your operation is protected for whatever comes next.
