We understand your attraction to the rural life.
It's the foundation of our company.
Farm & Ranch Insurance
Unpredictable. Complex. Risky. Those are all words that have been used to describe the business of farming and ranching.
Knowledgeable. Experienced. Trustworthy. These terms have been used to describe Farm & Ranch insurance from Nodak Mutual. Pick and choose from Nodak Mutual's portfolio of farm insurance products in the combination that best fits your operation.
Nodak Mutual agents provide the answers you need
to make educated insurance decisions.
General coverage
Liability and Medical Payments
Property coverage
Property coverage
We have products that are designed to provide a wide range of coverages from all-risk, to named perils including:
- Fire or lightning
- Windstorm or hail
- Explosion
- Riot or civil commotion
- Aircraft
- Vehicles
- Smoke damage
- Vandalism or malicious mischief
- Theft
- Collision
- Freezing
- Falling objects
- Weight of ice, snow or sleet
- Accidental discharge or overflow of water or steam
- Sudden and accidental tearing apart, cracking, burning or bulging
- Sudden and accidental damage from artificially generated electrical current
- Collapse
Your agent can also guide you to products to protect your dwelling and outbuildings only or your dwelling, outbuildings and their contents.
Optional coverage
Optional coverage
Optional Coverages - Ask about these and other optional coverages that are available.
- Water backup and sump discharge or overflow
- Scheduled personal property
- Replacement cost loss settlement
- Additional limits for dwelling and property
- Livestock blizzard protection
- Livestock mortality
- Farm machinery rental reimbursement
- Family medical payments
- Custom farming
- Farm employee personal injury protection
- Business pursuits
A few of our most common questions…
What types of discounts are available for Farm & Ranch?
What types of discounts are available for Farm & Ranch?
Yes, Nodak Mutual offers Farm & Ranch clients, a variety of discounts, including:
- Multi-line discount
- Newer home discount
- Protective device discounts
- Longevity discount
Get more information about Nodak Mutual discounts
With my farm or ranch operation, do I have to sacrifice coverage for a competitive price?
With my farm or ranch operation, do I have to sacrifice coverage for a competitive price?
No, Nodak Mutual has been a leader, insuring farms and ranches in North Dakota for more than 60 years. Ask your neighbors—our Farm & Ranch policy is recognized as an industry leader providing quality protection at a competitive price.
Should I carry collapse coverage on my outbuildings?
Should I carry collapse coverage on my outbuildings?
The answer depends on several factors including, age and type of construction as well as the use of the building. Visit with your professional local Nodak Mutual Insurance agent to make the best decisions for your specific farm or ranch operation.
This website contains only a general description of coverage, and is not a policy contract. Coverage under a Nodak Mutual Insurance product is subject to terms, conditions and exclusions in the actual policy.