Farm Insurance that Weathers the Storm
Farming in the Four-State Area means working with the weather, not against it. Thunderstorms, hail, wind, ice, and sudden temperature swings can threaten your house, your barns, your livestock, and your income in a single season. Gould Agency helps farmers and ranchers build farm insurance packages that reflect real Midwest weather and the real risks of running an agricultural business.
We organize your options so you can see what protects your home, what protects your farm operation, and what shields your finances when accidents, injuries, or lawsuits happen.
Home and Buildings
Farm Owners Insurance
Your farm is both where you live and how you make a living. A Farm Owners policy is a customizable package that helps secure your land, home, farm property, and liability in one place.
A typical Farm Owners policy can include:
- Dwelling – Helps pay for damage to your home and attached structures when covered events like fire, lightning, hail, windstorm, or certain other perils hit.
- Personal Property – Helps protect household belongings such as clothing, electronics, and home appliances from covered loss or theft. (Farm machinery, autos, and livestock generally need separate coverage.)
- Farm Liability – Helps cover legal fees, medical expenses, and other losses if someone is injured or their property is damaged because of your farming operations, with options to add protection for employee injuries and other specific exposures.
We’ll help you decide whether a full Farm Owners package or a more focused farm dwelling/structures combination best fits the way your home and operation are set up.
Farm Dwelling and Farm Structures
Some farm families need coverage that focuses on where they live and the buildings that keep the operation going.
Farm Dwelling Insurance
Farm dwelling coverage helps protect the residence you live in and attached structures, including certain rental units, from covered losses. Depending on the policy, it can also provide:- Limited personal property coverage
- Additional living expenses if your home becomes uninhabitable after a covered loss
If you want more complete liability and operational protection, we can layer in Farm Liability or a broader Farm Owners policy.
Farm Structures Insurance
Barns, machine sheds, grain bins, and storage buildings are essential to your operation and highly exposed to storms and fires. Farm Structures coverage helps pay for accidental loss or damage to buildings used for farming due to perils like:- Fire and lightning
- Certain natural disasters and severe weather events
- Other covered risks listed in your policy
We’ll help you list and value each building so your coverage limit reflects what it would cost to rebuild today, not what it cost years ago.
Liability and Vehicles
Farm Liability and Farm Umbrella
Running a farm or ranch comes with unique liability exposures—from heavy equipment and livestock to on‑farm visitors, employees, and product risk.
Farm Liability Insurance
Farm Liability coverage is designed to help with costs you’re legally obligated to pay for covered bodily injury or property damage claims, including:- Attorney fees and court costs
- Medical expenses for people injured on your property
- Injury or damage caused by your animals
- Certain injuries tied to your farm operations
We consider factors like the size and type of your farm, whether you host guests or agritourism, and how many people work on the operation when helping you choose limits.
Farm Umbrella Insurance
Some accidents can exceed the limits of your underlying farm and auto liability policies. A Farm Umbrella policy adds an extra layer of protection over your existing coverage for large claims stemming from:- Major accidents on your farm that injure multiple workers or guests
- Farm animals escaping and causing serious damage or accidents
- Product‑related claims where someone alleges illness or injury from what you produce
We’ll help you coordinate your farm liability, farm auto, and umbrella coverage so big losses don’t put your land or livelihood at risk.
Farm Auto Insurance
From picking up parts in town to hauling grain or livestock, your trucks and trailers are a lifeline for your operation. Farm Auto Insurance helps protect the vehicles you depend on, whether you own or lease them.
Coverage can include:
- Auto liability for injuries or damage you cause to others while driving
- Medical payments
- Collision coverage for damage to your vehicle from a crash
- Uninsured/underinsured motorist coverage
- Extended coverage for employees using their vehicles in farm operations
Because roads, weather, and other drivers are all out of your control, we’ll help you build an auto package that reflects your routes, loads, and drivers.
Machinery and Animals
Farm Equipment
Equipment breakdown or failure can put a season—and your income—at risk. Farm Equipment Insurance helps pick up where standard property coverage may stop by protecting against covered equipment damage from:
- Power surges
- Mechanical breakdown
- Motor burnout
- Certain types of operator error
Eligible equipment may include:
- Heating and cooling systems
- Production equipment
- Boilers, pressure vessels, and water heaters
- Pumps
- Electrical distribution systems
- Refrigeration equipment
We’ll help you identify which pieces are mission‑critical so you can get back up and running quickly after a breakdown.
Equine Insurance
Horses can be both partners in your operation and part of your family. Equine Insurance helps manage the financial side if something serious happens.
Options can include:
- Full Mortality and Theft – Helps insure your horse against death from injury, illness, disease, humane destruction, certain transport incidents, or theft.
- Major Medical Coverage (with a mortality policy) – Helps reimburse medical and surgical bills from covered accidents, sickness, or disease.
- Loss of Use – Helps provide compensation if your horse becomes totally and permanently unable to perform the duty it was insured for.
- Stallion Infertility – Helps cover financial loss if a stallion becomes permanently incapable of producing offspring due to a covered cause.
Start with the Risks on Your Farm
On a working farm, one bad storm can hit your roof, your herd, your grain, and your income in a single night. That is why we don’t treat home, buildings, machinery, and liability as separate puzzles. Gould Agency pulls those pieces into one farm insurance strategy that is built to ride out the storms of the Midwest.
Insurance Made Personal
Auto Insurance Built Around You
Liability, collision, and comprehensive coverage tailored to how you drive.
View DetailsHome Protection Built for Midwest Weather
Coverage for your house and belongings, ready for hail, wind, and severe storms.
View DetailsPersonal Health Coverage and Life Insurance
Health and life options that protect your family's wellbeing and financial future.
View DetailsRecreational Coverage for When Weather Turns
Boats, RVs, ATVs, and other toys covered for the road, water, and trail.
View DetailsExtra Layers for When Life and Weather Go Sideways
Umbrella, identity, and add-on coverages that fill in where standard policies leave off.
View Details