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Farm

Minnesota farms come in all shapes and sizes.  We understand that and can offer tailored coverage to meet your specific farm insurance needs. Whether your farming operation includes livestock, grains, or organic farming, we understand.

Kelso & Shelby Farmers Mutual Insurance Company offers a range of comprehensive farm property coverage. Developing and maintaining a strong risk management program is essential to your farm’s security. If the unimaginable happens and your combine burns up in the field, are you prepared? Do you have extra expense coverage to help with your combine rental? What about the fire damaged unharvested grain? Work with one of our affiliated agents to develop a risk management plan that works best for you, your farm, and your family.

Below is a listing of Farm Property Coverages available:

Coverage Offerings:

  • Dwellings
    • Primary
    • Rental
    • Mobile
    • Seasonal
  • Household Personal Property
  • Farm Outbuildings, Barns, and Structures
  • Farm Personal Property
  • Livestock
  • Inland Marine

Ask your agent about policy premium discounts for:

  • New Home
  • Protective Devices
  • Claim Free
  • Companion Policy
  • Higher Deductible

 

Additional Coverages Available:

  • Back-Up of Sewer, Drains, and Sump Pumps
  • Refrigerated Foods Products
  • Identity Theft 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
  • Farm Extra Expense
  • Farm Operation Records
  • Loss of Income (Livestock Operations)
  • Livestock Confinement
  • Winter Perils – Livestock
  • Theft Coverage – Residence Under Construction
  • Cab Glass
  • Peak Season
  • Non-Depreciation of Repairs