Kansas Farmer and Ranch Owner Insurance

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316-265-3181

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5838 W. 21st Street

Wichita, KS 67205


1106 W. 31st Street South

Wichita, KS 67217


1701 Landon Street

Hutchinson, KS 67502

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Farmers in Kansas face many risks associated with running their operations. These include: 


  • Loss or damage to crops due to drought, floods, and other natural disasters 
  • Injury to a worker caused by negligence on the part of the farmer 
  • Theft or vandalism of farm equipment and tools 
  • Liability for damages if livestock causes property damage or injury to another party 
  • Death or illness of livestock due to animal diseases 
  • Contamination of soil and water sources from hazardous materials 
  • Costs associated with fire damage due to faulty wiring or lightning strikes 
  • Damage from mechanical breakdowns in machinery and equipment   
  • Legal fees arising from disputes over contracts related to farming activities 
  • Loss of income due to crop failure and other financial losses 
  • Liability for fines and penalties related to environmental regulations 
  • Damage caused by pests or diseases on crops, trees, and livestock. 


These risks can be mitigated by purchasing adequate farm owners' insurance in Kansas. Farm owners' insurance will cover property damage, liability, medical bills, loss of income, and legal fees. It can also include optional coverages such as equipment breakdowns or contamination from hazardous materials.

Farmer Insurance Costs in Kansas

The average cost of farm owners' insurance in Kansas is $134.50 per month. However, the exact cost of the policy will depend on several factors, including:


  • The size of the farm - The size of a farm is a significant factor in determining the cost of its insurance. A larger farm will require more coverage and higher premiums, whereas smaller farms may get away with fewer coverages and lower costs.
  • The type of livestock - The type of livestock on a farm also impacts the insurance cost. Larger and more valuable animals, such as horses or cattle, will require higher premiums than smaller ones, like chickens and goats.
  • The number of employees - The number of employees on the farm will also affect the cost of insurance. Farms with a larger workforce are more likely to have higher rates due to the increased potential for employee injury or property damage.
  • The location of the farm - The location of a farm is also an important factor when it comes to insurance costs. Farms located in areas with higher risks, such as floodplains or near hazardous materials, may have higher premiums due to the increased potential for damage and liability.
  • The coverage limits - A policy's coverage limits will also affect its cost. Higher coverage limits mean higher premiums, and vice versa. 
  • Deductibles - The deductible on a farm insurance policy is also an important factor to consider. Higher deductibles can mean lower premiums, but they also come with the risk of having to pay more out-of-pocket if something happens. 
  • Discounts - Farmers may also be able to lower their insurance costs by taking advantage of discounts. Many insurers offer discounts for things like multiple policies, safe driving records, and loyalty programs. When obtaining an insurance quote, it is important to ask about any available discounts.
  • Claims history - A farm's claims history can also affect its insurance rates. Farms with multiple claims or high claim amounts in the past may be viewed as higher risk and therefore charged higher premiums.


By considering these factors, farmers can make more informed decisions when finding the right farm insurance policy. It is crucial to understand to talk with an experienced insurance agent at WINN Insurance Group to ensure the policy is tailored to your specific needs.

We’re Your Trusted Farmer Insurance Provider in Kansas

At WINN Insurance Group, we understand that every farm is unique. That’s why we take the time to get to know you and your operation, so we can create a customized insurance package tailored to your specific needs. Whether it’s crop hail coverage or livestock insurance, we have the expertise and experience to provide comprehensive protection for your farm.


Our agents will work with you one-on-one, answering any questions you may have and helping you find the best options available. We’ll also provide comprehensive reviews of all our policies, so you can make informed decisions about what works best for your situation.


At WINN Insurance Group, we offer the best in farm owners' insurance for Kansas farmers. Our experienced and knowledgeable agents will work with you to craft a policy that meets your unique needs. We’ll also provide ongoing support, so you can rest easy knowing that your assets are always protected. 



Contact us today to learn more about how we can help you protect your farm!

Coverages Provided by Farmer Insurance in Kansas

Farm owners' insurance in Kansas provides coverage for farm owners from a variety of risks. From property damage to liability, farm owners' insurance can provide the protection needed to keep operations running smoothly and protect your financial investments. Farm insurance combines several types of coverage under one plan. They include the following:


Equine Insurance 


Equine insurance is typically included in farm owners' insurance policies and provides coverage for horses, ponies, donkeys, mules, and other equine animals. Coverage can include protection against death or illness due to disease, injury caused by accidents or veterinary care treatments, theft or straying of the animal, legal liability for damages caused by the animal, and more. 


Auto Insurance


Auto insurance is also often included in farm owners' insurance policies and provides coverage for vehicles used for business purposes. This can include trucks, tractors, trailers, or other vehicles used to transport goods or haul materials on the farm. Coverage typically includes property damage liability, bodily injury liability, medical payments, uninsured/underinsured motorist coverage, and more. 


Crop Insurance


Crop insurance is specifically designed to protect against financial losses due to crop damage, destruction, or loss. It helps farmers protect their crops investments and provide an income in the event of a disaster. Crop insurance typically covers damage caused by natural disasters such as hail storms, floods, or droughts. It can also cover losses due to fire, disease, insects, and other perils that may put your crop at risk. It provides coverage for:


  • Harvest losses
  • Replanting costs
  • Decreased yields due to adverse weather or other conditions
  • Damage caused by wildlife or livestock
  • Livestock mortality losses due to disease, accident, or theft.


Livestock Insurance


Livestock insurance is designed to protect farmers from financial losses related to their livestock holdings. Livestock insurance can cover animal deaths due to injury, disease, theft, and natural disasters such as floods and fires. 


It may also cover medical expenses for treating sick animals or the cost of veterinary services if your animal becomes injured due to an accident. Policies can also cover liability risks such as damage caused to your property due to your livestock.


Equipment Insurance 


Equipment insurance is designed to protect farm owners from the expensive costs associated with replacing equipment damaged or stolen in an accident or by a thief. Equipment coverage typically includes tractors, combines, hay balers, sprayers, and other large machinery used on the farm. It may also include smaller items such as shovels, hoses, chainsaws, and other small implements used in agricultural operations. 


Coverage may include reimbursement for repairs or equipment replacement should it become damaged or destroyed due to an unforeseen event such as a fire, flood, or theft. 


Farm Dwelling Insurance 


Farm dwelling insurance protects farm owners from the costs associated with repairing or replacing a home should it become damaged due to an unforeseen event such as a fire, flood, or tornado. The policy typically covers the cost of repairs as well as any personal items inside the dwelling that may have been destroyed in an accident or by a thief. 


Coverage also extends to outbuildings and other structures on the property, such as barns, sheds, silos, and garages. 


Liability Insurance 


Farm liability insurance is designed to protect farm owners against the risk of financial loss resulting from legal action taken against them for someone’s injury or damage to their property. This type of coverage typically includes:


  • Personal liability protection - covers costs associated with bodily injury and property damage claims made by non-family members on your farm, including visitors, vendors, and customers.
  • Medical payments coverage - pays for medical bills related to accidents that occur on your farm.
  • Fire legal liability insurance - can cover the cost of defending yourself in court if a fire causes damage to another person's property.
  • Product liability insurance - protects you if your animals or products cause harm or illness in others.
  • Professional liability insurance - provides coverage if you provide professional services such as animal grooming, veterinary care, or crop consulting.


Structures Insurance



Structures insurance covers the structures on your farm, including barns, sheds, and other buildings. Coverage typically includes protection against physical damage caused by fire, hail, windstorms, and other covered perils. It can also include coverage for personal property in the structure as well as liability coverage for damage or injuries caused by its negligence.

Kansas Farmer Insurance Discounts

Farmers in Kansas may be eligible for discounts on their farm owners' insurance policy, such as:


  • Multi-policy discount – You can receive a discount when you bundle your farm and auto insurance policies.
  • Safety equipment discounts – You can receive a discount for installing approved safety equipment.
  • Claims-free discount – Insurance companies can give you a discount if you’ve been claims-free for a certain period of time.
  • Loyalty discounts – You can save money by staying with the same insurer over multiple years.


By taking advantage of these discounts, farmers can save money on their annual premiums, helping them to protect their financial investments in running a farm.

Having Questions? Contact Us Today.

WINN Insurance Group is here to answer any questions you may have about farm owners' insurance policies in Kansas. Our experienced agents can help you find the right type and amount of coverage for your specific needs.



Contact us today to talk about your unique situation and get started on selecting the best policy for you. We look forward to helping you secure peace of mind knowing you’re protected when challenges arise on the farm.

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