We'll Shop Insurance For You

With so many insurance companies out there it’s difficult to know where to turn. We shop multiple companies for you and find what fits you best.

Cover the Whole Farm

Comprehensive coverage for everything on the property. Barns, sheds, equipment, your home, and other personal property.

Employee Coverage

Protection for all employees or family members from injury while on the farm or ranch.


About Farm & Ranch Insurance

These are some factors (not all) that Heritage Insurance Agents will assess in determining which of our companies fits your risk management needs. We will then shop the price to ensure the best fit within those companies.

You expect your farm or ranch policy to cover the basics: your home, farm buildings, household and farm personal property.

You also require protection in the event of bodily injury and property damage that may arise from farming or personal activities. With Heritage Insurance, our coverages and services go beyond basic insurance to provide risk management solutions.

Property Coverages:

  • Automatic inflation protection for residential or farm building construction costs
  • Outdoor antennas and satellite dishes
  • Money, gold, silver
  • Watercraft
  • Household personal property within a vault
  • Newly acquired and replacement equipment
  • Borrowed farm equipment, including leased/rented
  • New construction
  • Extra Expense for machinery breakdown
  • Pollutant cleanup and removal expense

Additional Coverages:

  • Electronic data processing equipment
  • Employee tools
  • Fire extinguisher recharge
  • Cost of preparing proof of loss
  • Key and lock replacement
  • Backup of sewer and drains for dwellings
  • Identity theft w/restoration
  • Kidnap and ransom expense
  • Loss assessment
  • Extended replacement for dwellings
  • Replacement cost for equipment
  • Disruption of farming operations
  • Spoilage of perishable farm personal property
  • Farm transit
  • Recreational vehicles
  • Specialized coverage dairy farms
  • Equipment breakdown

Liability Coverages:

  • Medical payments
  • Fire damage liability
  • Chemical drift: physical injury to crops/animals
  • Damage to property of others
  • Watercraft
  • Incidental custom farming
  • Employers liability
  • Hunting and fishing liability

Our agents make the difference.  Selected for their experience and expertise in agriculture insurance, our agents work hard to provide growers and ranchers with risk management plans and insurance coverage designed to meet their business needs.  You can trust them for advice, knowledge, and support.  The Heritage standard.

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