Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Farm Equipment & Machinery Insurance in North Dakota

Keep Tractors and Combines Working, and Working for You

Your machines are your livelihood. Farm equipment insurance in North Dakota helps pay for losses from fire, theft, rollover, storms, and collisions-on the yard or in distant fields. Bowerman Insurance Agency schedules each major unit so a single loss doesn't derail planting or harvest.

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From Tractors to Precision Ag

We cover tractors, combines, headers, sprayers, swathers, balers, planters, grain carts, and utility ATVs/UTVs used for farm work. Precision ag equipment (GPS monitors, receivers, controllers) can be included as scheduled items with appropriate limits.

Scheduled Values, Broad Territory

Each machine is listed with an insured value (replacement cost may be available on newer units). Coverage follows the equipment across fields and roads. Add equipment breakdown where available to address sudden mechanical or electrical failure that isn't accident-related.

A white house with a porch and a chimney
A white house with a porch and a chimney

No Surprises During Busy Season

Leased or borrowed equipment can often be added; tell us about swap agreements with neighbors. Many policies include short grace periods for newly acquired machines; report purchases quickly so coverage remains seamless and lenders receive proof.

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Answers for North Dakota Operators

  • Is my lender going to require coverage?

    Yes-most do. We'll issue evidence of insurance promptly.

  • If I crash on the road, is the damage covered?

    Damage to the machine falls under the equipment policy; third-party injuries or damage fall under liability.

  • Are trailers covered here?

    Implements can be scheduled; road trailers may belong on auto-ask us to place them correctly.

  • Does coverage apply off the home place?

    Yes-this follows your machinery across job sites and fields.