Farm and Ranch Insurance

Living in Eastern Washington, we know that farming and ranching is a cornerstone of our region's economy and culture. We also know that farming today is more complex than ever.

Which means you need a customized insurance policy to protect your operations - and your family's future.

We offer all of the following protection options:

• Traditional production farms and ranches
• Extra protection for expanding farms and ranches with commercial exposure
• Smaller farms and rural acreage
• Customization that fits the specific needs of your operation 

Your base policy typically protects farm homes, buildings, machinery, equipment and livestock, all the coverage the average farm and ranch operations require. Then, we will discuss optional coverages you can tailor fit to meet your exact needs. That means, you only pay for the protection you need, and nothing you don’t.

A standard farm or ranch insurance policy will typically cover:

• Rental reimbursement on farm machinery and equipment while you wait for yours to be repaired
• Equipment breakdown for fixed equipment in outbuildings
• GPS equipment in case of loss by special causes
• Cab glass repair or replacement
• Foreign object damage to combines
• Damage during towing and hitching
• Farm machinery contact with roadbed or ground
• Borrowed farm machinery covering primary
• Fire extinguisher recharge

• Disruption of farming operations in case of extra expenses and loss of income caused by a covered loss to a building or piece of equipment.
• Identity fraud expense coverage that can reimburse you for covered expenses incurred in restoring your identity.
• Earthquake coverage for farms and ranches with fault lines nearby.
• Farm machinery and equipment replacement coverage for equipment up to five years old.
• Peak season coverage endorsement for harvest times, or when you have greater than average quantities of product in storage on your property.
• Sewer/sump pump backup… just in case.
• Temperature sensitive endorsement for covering temperature-sensitive products, as a result of a temperature control fluctuation.
• Household property protection for your household contents, including gold, furs, firearms, electronics, and more.

Your operation is more than a business, it’s a legacy, a livelihood and your personal version of the American dream. Let us help you protect the things you care about most.

There is no one-size-fits-all approach when it comes to insuring your operations. Please do not hesitate to contact us about your farm or ranch. We would be happy to assess your needs, review your existing policy, or answer any questions you may have about protecting your livelihood.