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 Property & Buildings Insurance in North Dakota

One Policy for the Heart of Your Farm

Your operation includes more than fields. Farm property insurance in North Dakota can cover your farmhouse, barns, machine sheds, grain bins, garages, fences, and more-plus select farm personal property. Bowerman Insurance Agency helps farms from Steele to Bismarck list every key structure so wind, hail, fire, and theft don't stall the season.

A white house with a porch and a chimney

Home Protection on the Farmstead

When your dwelling is included on the farm policy, it's protected much like a homeowners policy-covering the home and household contents for fire, wind, hail, and more. We'll review replacement cost options, roof settlement terms, and higher wind/hail deductibles common across Kidder and Burleigh counties.

Barns, Shops, and Grain Storage

Barns, livestock shelters, machine sheds, shops, silos, and grain bins are usually scheduled individually with agreed values. Older or unused buildings may not be included automatically; Bowerman Insurance Agency audits your yard so nothing essential is left off the policy.

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

Tools, Supplies, and Stored Harvest

Policies can extend to farm personal property like tools, parts, seed, and feed-on a blanket or scheduled basis. Coverage for grain in bins can be added under property (separate from field crop coverage). We'll tailor limits around your storage practices and harvest timing.

Weather, Fire, Theft-and Seasonal Peaks

Common causes of loss include fire, lightning, wind, hail, theft, and weight of ice/snow (a real ND concern). Add equipment breakdown for motors and augers, and consider peak season increases if inventory or stored grain swells post-harvest. We'll also discuss separate flood coverage where drainage is a concern.

Two young boys are laying on the grass and talking to each other.

Answers for ND Farmsteads

  • Do I need to list each building?

    Yes-major structures should be scheduled with proper values.

  • Are fences or irrigation covered?

    Often limited unless added-ask us to include these.

  • What about snow load on a barn roof?

    Weight of ice/snow is typically covered, subject to your form and limits.

  • Is stored grain covered?

    We can add it under property; field crops are addressed under crop insurance.