Farm Insurance

North Star Farm Insurance

Work with your North Star Mutual Agent to provide adequate protection for you and your farming assets that make your farm a home and a business.

A strong risk management program is needed to protect your farming investment. North Star Mutual has the farm expertise to understand your needs. North Star Mutual offers a comprehensive Farm policy to protect your Residence, Personal Property, Outbuildings, Machinery, and Livestock from unexpected losses or damages. We can customize a policy that will help limit the impact a property or liability loss would have on your cash flow. 

Make certain your agent knows as much as possible about your operation. 

  • Do you have incidental business activities, such as hunting, seed sales, or snow removal, that may not be covered without the proper endorsing of the policy? 

  • What additional liability exposures could you have, such as livestock, custom farming, or custom feeding?

  • Does your farming operation include additional locations with structures maintained by you or rented to others?

 

In Minnesota, a Farm Package policy is written in affiliation with Township Mutuals of Minnesota.

 

Coverage Offerings:

  • Dwellings
  • Household Personal Property
  • Farm Outbuildings, Barns, and Structures
  • Farm Personal Property
  • Livestock
  • Farm Liability
  • Umbrella Liability

 

Other Coverages Available:

  • Back-up of Sewers, Drains, and Sump Systems
  • Refrigerated Food Products
  • Identity Fraud Expense
  • Expanded Replacement Cost - Dwelling
  • Replacement Cost Coverage for:
    • Household Personal Property
    • Farm Outbuildings
    • Irrigation Equipment
  • Special Form Coverage for:
    • Household Personal Property
    • Short-Term Lease Equipment
    • Farm Machinery, Equipment, and Tools
    • Farm Outbuildings
  • Theft Coverage - Residence Under Construction
  • Cab Glass
  • Peak Season
  • Farm Extra Expense
  • Farm Operation Records
  • Loss of Income (Livestock Operations)
  • Livestock Confinement
  • Refrigerated Milk Products
  • Winter Perils – Livestock
  • Equipment Breakdown
  • Farm Personal Liability
  • Hunting on Insured Premises Liability
  • Incidental Business Pursuits
  • Watercraft Liability
  • Recreational Vehicle Liability
  • Employers Liability
  • Farmers Medical Payments
  • Damage to Property of Others Liability
  • Property Damage Liability for Spray Drift of Agricultural Chemicals
  • Farm Pollution/Clean Up Liability
  • Personal Injury Liability

Ask your North Star Mutual agent about policy premium discounts for:

  • New Home
  • Protective Devices
  • Companion Policy (When you insure your autos with North Star Mutual)
  • Higher Deductible

Inland Marine Coverage may be added to your Farm policy, thus making it convenient to write one policy for your farm, possessions, and recreational property exposures:

  • Boats, Motors & Trailers
  • Personal Watercraft
  • Computer Equipment
  • Furs
  • Guns
  • Fine Arts
  • Camper Trailers
  • Recreational Vehicles (ATVs and Snowmobiles)
  • Farm GPS, Crop Monitors/Auto Steer
  • Golf and other Sports Equipment
  • Jewelry
  • Antiques & Collectibles
  • Portable Tools
  • Plus other Special Property items

 

Should you consider umbrella coverage? Click here for more information.

Need to Report a Claim? We are dedicated to providing fast and fair claim service with friendly care and a personal touch.

North Star Mutual Policies Protect Against Identity Fraud - Learn more...