Get a Free Quote

Farm Insurance in Minnesota & Wisconsin

Comprehensive coverage for the farms and agricultural operations that define our communities.

Farm insurance coverage for Minnesota and Wisconsin agricultural operations
Farm & Agricultural Insurance

Protecting the Land and Livelihood You've Built

Farming is more than a job — it's a way of life. And the risks are real: equipment breakdowns, severe weather, crop losses, and liability exposure that standard homeowners policies simply can't address. Farm insurance is specifically designed for agricultural operations, large and small.

Central Insurance Services has deep experience serving farming families in Kanabec, Isanti, Pine, and Chisago counties in Minnesota, and throughout western Wisconsin. We understand the specific needs of row crop farmers, livestock operations, and hobby farms alike.

Farm Coverage Options

  • Farm dwelling — the home on your farm property
  • Barns & outbuildings — machine sheds, grain bins, silos, and structures
  • Farm equipment & machinery — tractors, combines, tillage, and implements
  • Livestock — cattle, hogs, poultry, horses, and specialty animals
  • Crops — growing crops and harvested grain in storage
  • Farm liability — protection if someone is injured on your property
  • Agribusiness — coverage for farm operations with commercial elements
Get a Free Farm Insurance Quote
Serving Agriculture in MN & WI

We Know Minnesota & Wisconsin Farming

From corn and soybeans to dairy herds and hobby farms, we understand the operations we insure.

Weather & Natural Disaster

Minnesota's spring storms, hail, and early frosts pose serious risks to crops and structures. We ensure your coverage limits reflect the real cost of rebuilding and restoring your operation.

Equipment Breakdown

A breakdown during planting or harvest can cost tens of thousands of dollars in lost productivity. Equipment coverage and breakdown riders protect your machinery investment.

Farm Liability Protection

Public visits, hired labor, and farm equipment operation all create liability exposure. Farm liability coverage protects you from lawsuits and medical claims.

Licensed in Both States

Farming operations that straddle the MN/WI border are common in our region. David is licensed in both states, making cross-border coverage simple.

Common Questions

Farm Insurance FAQs

Is my homeowners policy enough if I have a small hobby farm?

Usually not. Standard homeowners policies have strict limits on business activity, farm equipment, and livestock. Even a small hobby farm typically benefits from a dedicated farm policy. We can review your situation and recommend the right coverage level.

Does farm insurance cover my tractor on public roads?

Farm policies typically cover farm equipment during agricultural use. For liability on public roads, you may need a commercial auto endorsement or separate policy. We'll make sure your coverage has no gaps.

Can I insure stored grain and crops in the field?

Yes. Farm policies can include coverage for harvested grain in storage facilities (bins, elevators) and, in some cases, growing crops. Separate crop insurance through federal programs may also be available depending on your crops and acreage.

Free, No-Obligation Quote

Protect Your Farm Operation

Get a farm insurance quote tailored to your operation — livestock, crops, equipment, and all. David understands agricultural risk.

Get a Free Quote