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
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- Livestock
- Farm Liability
- Umbrella Liability
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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
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- Farm Extra Expense
- Farm Operation Records
- Loss of Income (Livestock Operations)
- Livestock Confinement
- Refrigerated Milk Products
- Winter Perils - Livestock
- 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
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North Star Mutual Policies Now Protect Against Identity Fraud
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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
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- 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
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