Farm & Agribusiness Insurance
Built for Missouri Farmers. Because Your Operation Deserves More Than a Standard Policy
Farming isn't just a business — it's a way of life. And protecting a farm operation requires coverage that understands that. Standard homeowners and commercial policies aren't designed with agricultural operations in mind, which means relying on them can leave significant gaps in your protection when you need it most.
At Smarr Insurance, we work with carriers who specialise in farm and agribusiness coverage — and we take the time to understand your operation before we recommend a single policy. Whether you're running a multigenerational family farm, a hobby farm, a livestock operation, or a diversified agribusiness, we'll build coverage that fits what you actually do.
Farm Equipment & Machinery
Modern farm equipment is enormously expensive to repair or replace. Tractors, combines, planters, tillage equipment, irrigation systems, hay equipment — we make sure your machinery is scheduled and covered properly, including coverage for breakdown, collision, and theft. We can also cover equipment in transit, which is often overlooked until something goes wrong on the road.
Livestock Coverage
Your livestock represents both a significant financial investment and, for many farm families, something much more personal than that. We offer livestock coverage that protects against death from covered perils, including fire, lightning, windstorm, and other causes. For specialty operations — show animals, breeding stock, or high-value livestock — we have access to specialty markets that provide coverage standard carriers often won't.
Access to Specialty & E&S Farm Markets
Not every farm fits the standard agricultural insurance box. Specialty livestock, unusual operations, farms with prior claims, or properties that standard carriers simply won't write — these are situations where our access to specialty and Excess & Surplus markets becomes genuinely valuable. We've found solutions for clients other agencies had to turn away, and we're happy to take a look at any situation before concluding it can't be done.
Farmowners Insurance
A farmowners policy is the agricultural equivalent of a homeowners policy — but designed specifically for the unique needs of a farm. It typically combines coverage for your farmhouse and personal property, farm structures and outbuildings, farm equipment and machinery, livestock, and personal liability into a single, comprehensive package.
The right farmowners policy protects your home and your operation together, without forcing you to manage separate policies through separate carriers. We work with farm-specialist carriers to make sure your farmowners coverage reflects the true value of your property, your equipment, and your livestock — not just an estimate.
Farm Structures & Outbuildings
Barns, grain bins, machine sheds, equipment storage, corrals, fencing — the structures on a farm represent a major investment and often carry values that standard homeowners policies dramatically underestimate. We make sure every structure on your property is covered for its actual replacement cost, so a loss doesn't leave you short when it matters most.
Farm Liability
Farm liability protects you if someone is injured on your property or if your farming operations cause damage to a neighbouring property. It also covers you if your livestock escapes and causes injury or property damage. Agricultural operations carry unique liability exposures that standard homeowners liability simply wasn't written to cover — and the consequences of being underinsured in this area can be severe.
Hobby Farms & Small Operations
You don't have to be running a large commercial operation to need proper farm coverage. If you have animals, equipment, and people coming onto your property for any farm-related purpose, your standard homeowners policy almost certainly has gaps. Hobby farm policies provide targeted, affordable coverage for smaller operations — and peace of mind that you're not one incident away from an expensive problem.
Crop Insurance
Crop losses can wipe out an entire year's income in a single season. We can connect you with crop insurance options — including coverage through the federal crop insurance programme — to help protect your yields against weather events, disease, and other covered causes of loss. If you haven't reviewed your crop coverage recently, it's worth a conversation, particularly given the increasingly unpredictable weather patterns affecting Missouri agriculture.
We Know Missouri Agriculture
We're based in Warrensburg, in the heart of west-central Missouri farm country. We understand the risks local farmers face, the carriers best positioned to cover them, and the value of having an agent who's actually part of this community. When you call us, you're talking to a local person — not a call centre — who takes your operation seriously.