Farm Equipment
Farm Equipment Insurance
Our team at Dostal & Kirk recognizes the critical role your equipment plays in the success of your farm. Tractors, combines, sprayers, and harvesters are vital machines and investments in your livelihood. That’s why our Farm Equipment Insurance is built to protect those investments against unexpected loss, damage, or breakdown.
Whether you’re working a few acres or managing a large-scale operation, our coverage protects your equipment, so your farm keeps running, no matter what comes your way.
Farm Equipment Coverage for Uninterrupted Service
Farming is demanding work, and your equipment bears the brunt of it, often in unpredictable conditions. From fire and theft to glass breakage and machinery overturns, the risks to your equipment are real and costly. A single incident can result in tens of thousands of dollars in damage and downtime, especially when replacement parts or full replacements are needed quickly.
Standard farm owners policies may not provide enough protection to cover high-value machinery or multiple losses at once. That’s where specialized equipment insurance steps in. With the right coverage in place, you can focus on productivity instead of repair bills.
What's Covered?
If you’re found legally responsible for bodily injury or property damage to another person, this coverage helps cover the costs. For example, if a friend falls off a horse or your animal wanders into another property and breaks the fence, you may be held liable. This coverage helps pay for medical bills, repairs, and legal defense if needed.
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Fire or lightning
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Theft or vandalism
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Windstorms and hail
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Cab glass breakage
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Overturn or collision
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Falling objects or collapse
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Flooding caused by overflowing water sources
This coverage applies to individually listed equipment, which can include tractors, combines, planters, skid steers, sprayers, balers, irrigation systems, and more. Attachments, such as headers or implements, can be listed separately or included in the insured value of the main machine they’re used with.
Each piece is insured for a specific value, giving you confidence that in the event of a loss, you’ll receive the protection you need to repair or replace the equipment promptly.
Tailored Coverage for Your Operation
No two farms are exactly alike, and neither are their equipment needs. That’s why we take a personalized approach to every policy. Our agents will work with you to take inventory of your machinery, assess its current value, and build a policy that covers what you rely on most.
If your farm relies heavily on seasonal or peak-time usage, we can also help you explore options like replacement cost coverage, peak season endorsements, or equipment breakdown insurance to extend your protection even further.
Keep Your Farm Thriving
You’ve invested in equipment that allows you to work efficiently, safely, and productively. Protect that investment with insurance that understands the demands of modern agriculture. At Dostal & Kirk, we’re here to support you with practical, comprehensive coverage.
Contact us today to speak with a farm insurance specialist and get started on a custom farm equipment insurance plan that keeps your operation running strong.