Farm Property
Protect Your Assets with Farm Property Insurance
At Dostal & Kirk, we prioritize your farm as more than just a business; it’s your way of life. That’s why our farm property insurance is designed to protect the essential elements of your operation, from your home and barns to your equipment and stored goods. Whether you’re growing crops, raising livestock, or managing a multi-acre operation, we offer coverage that works as hard as you do.
Coverage that Understands Farming
Every farm is unique, and so are its risks. Our policies are built to reflect the real-life needs of farmers. At the core, farm property insurance helps cover accidental loss or damage to your residence, buildings, machinery, and personal belongings. That means if a storm damages your barn, a fire destroys your equipment, or a freezer fails and ruins your inventory, you’re not left picking up the pieces alone.
Home
We start with your primary residence. If you live on the farm, your home and attached structures, like garages or porches, are protected. If a fire or other covered event makes your home unlivable, we’ll help cover temporary housing costs and even reimburse lost rental income if your property brings in extra earnings.
Farm Structures
We also provide coverage for other structures across your property, such as detached garages, sheds, fences, silos, and storage buildings. These are often vital to the daily function of your farm and deserve reliable protection.
Farm Equipment
Beyond the home, we understand that your equipment, supplies, and livestock are the lifeblood of your operation. That’s why we offer optional coverages to safeguard the tools and technology that keep your farm productive. Whether it’s a combine, tractor, irrigation system, or hay baler, we provide the option for replacement cost coverage on machinery—often up to eight years old—so you won’t get stuck with a depreciated payout after a major loss.
We also offer protection for barns, greenhouses, grain bins, and other structures essential to your agricultural workflow. And if you rely on seasonal income, our Peak Season Coverage lets you increase limits during busy months, like planting or harvest, then scale back after.
Livestock
For livestock owners, we can help protect animals from covered losses such as smothering in winter storms, accidental shootings, or attacks by predators. And if an equipment breakdown halts your operation or damages your goods, you’ll be covered for those unexpected setbacks too.
Protection You Can Count On
Every policy includes helpful features like debris removal after a covered loss, emergency property removal if a disaster is imminent, and reimbursement for fire department service charges. We even offer protection for the contents of your freezer or refrigerator in the event of a power outage or mechanical failure.
From day-to-day protection to those once-in-a-lifetime events, our goal is to keep your operation moving forward without the stress of what-ifs.
Let’s Talk About Your Farm
No two farms are the same, and your insurance shouldn’t be either. Our team will work with you one-on-one to review your property, understand your risks, and create a custom plan that fits your farm’s unique needs. From the soil to the silo, Dostal & Kirk is here to help protect what you’ve worked so hard to build.
Contact us today to speak with a farm insurance specialist and get started on a policy that grows with you.