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

One Policy for the Heart of Your Farm

Your operation includes more than fields. Farm property insurance  can cover your house, barns, machine sheds, grain bins, garages, fences, and more-plus select farm personal property. Bowerman Insurance Agency can help farms list every key structure for wind, hail, fire, and theft coverage.

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 wind/hail deductibles common across Kidder and Burleigh counties.


Extended Replacement Coverage is available for 20 to 25% or more for the Insured House (Depending on the Company)

Barns, Shops, and Grain Storage

Barns, livestock shelters, machine sheds, shops, silos, and grain bins are usually scheduled individually with agreed values. Bowerman Insurance Agency reviews the structures on the premises with you, so all insurable buildings are insured.

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). Consider peak season increases if inventory of hay or stored grain swells post-harvest.

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

Answers for ND Farmsteads

  • Do I need to list each building?

    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.