Farm & Ranch Insurance in Iowa, Nebraska & South Dakota

What We Cover

Comprehensive Farm & Ranch Coverage

Agricultural operations face unique risks that standard homeowners policies simply don't cover. We build custom farm policies that protect every part of your operation.

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Farmstead & Dwelling

Protection for your farmhouse, outbuildings, barns, grain bins, and other structures against fire, storm, wind, hail, and more.

Farmhouse replacement cost
Barns & outbuildings
Grain bins & silos
Fencing coverage

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Crop & Livestock

Coverage for your grain, forage, livestock, and farm products — protecting your income against weather, disease, and unexpected losses.

Crop revenue protection
Livestock mortality
Cattle & swine coverage
Farm product storage

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Equipment & Machinery

Your tractors, combines, planters, and specialty equipment represent major investments. We protect them on and off the farm.

Combines & tractors
Planting & harvesting equipment
Irrigation systems
Mechanical breakdown options

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Farm Liability

Protect yourself from injury claims, property damage, and lawsuits arising from farm operations — including agri-tourism activities.

Premises liability
Custom farming liability
Products & completed operations
Agri-tourism coverage

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Agribusiness

For larger farming operations, grain elevators, feed stores, and agricultural service businesses — commercial-grade protection for your enterprise.

Commercial property
Business income loss
Workers' compensation
Commercial general liability

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Farm Auto & Truck

Coverage for farm trucks, pickups, and vehicles used in your farming operation — whether on the road or on the property.

Farm pickup trucks
ATVs & UTVs
Farm trailers
Hired & non-owned auto

Who We Serve

We Cover All Types of Agricultural Operations

Whether you farm 50 acres or 5,000, whether it's your primary livelihood or a part-time passion — we have coverage designed for you.

🌽 Grain FarmersCorn, soybeans, wheat, and specialty crops across Iowa, Nebraska, and South Dakota.
🐄 Livestock ProducersCattle ranchers, hog operations, poultry producers, and diversified livestock farms.
🌻 Hobby FarmsSmall-scale operations, homesteads, and part-time farming families who want real coverage.
🤠 RanchesLarge-acreage beef and bison operations across the Northern Plains and Great Plains.
👨‍🌾 Part-Time FarmersPeople who work off-farm but rely on their property and equipment — we protect both lives.

🏘️ Northern Division — Serving Eastern SD Farmers Directly

Our Milbank, SD office at 228 South Main Street serves Grant County and the broader eastern South Dakota agricultural community. Our Northern Division agents know the unique challenges of this region — from short growing seasons to spring flooding to livestock markets.

If you farm or ranch in northeastern South Dakota, you don't have to drive to Sioux City. We're right here in Milbank.

📞 Call our Milbank office directly: 605.432.4566

228 S. Main St · Milbank, SD 57252 · Mon–Fri 8:30am–5pm CT

The Markve Advantage

Why Heartland Farmers Choose Markve Insurance

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45 Years of Experience

Since 1981, we've been protecting Heartland farms through droughts, floods, hailstorms, and market swings.

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Local Knowledge

We understand SD and Midwest agriculture — the soils, the weather risks, the equipment, and the way farms operate.

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SD Agriculture Experts

Our agents don't just sell farm policies — they understand farm operations, from equipment values to commodity risks.

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Independent = More Options

We shop multiple carriers specialized in agriculture, so you get the best farm coverage at the best price.

Common Questions

Farm Insurance FAQ

Almost certainly not. Standard homeowner's policies typically exclude farm operations, livestock, agricultural equipment, and income losses from farming. A dedicated farm policy is essential to cover the full scope of a farming operation — structures, equipment, crops, livestock, and liability.

Farm insurance premiums vary widely based on operation size, acreage, equipment values, livestock numbers, and coverage levels. A basic farm owner's policy for a small operation may start around $800–$1,500/year, while larger or more diversified operations will be higher. The best way to know is to get a free quote tailored to your specific operation.

Yes — we cover operations of all sizes. Whether you have a small hobby farm, a few acres, a few cattle, or a large-scale grain operation, we have appropriate coverage. Part-time farmers who also have off-farm jobs often need specialized policies that bridge home and farm coverage.

Farm liability insurance covers bodily injury and property damage claims arising from your farming operations. This includes accidents on your property, custom farming work performed for others, products liability (e.g., food you sell), and increasingly, agri-tourism activities like corn mazes, hayrides, and U-pick operations. Coverage limits and endorsements can be tailored to your specific risks.

Yes. Farm equipment can be covered on a scheduled basis (listing each piece of equipment and its value) or on a blanket basis. We can also add coverage for equipment when it's being used off your property, such as during custom farming work or transport to another field. Equipment breakdown coverage is also available as an endorsement.