The top-rated farm insurance agent in Windsor, Colorado is Farmers Insurance - Gabriel Garcia-Hitt, rated 5.0 stars across 156 reviews. Other highly rated options include Scott Horvath - State Farm Insurance Agent, Joe Unruh: Allstate Insurance, Scott Harper - State Farm Insurance Agent. This directory lists 14 farm insurance agents serving Windsor.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Gabriel Garcia-Hitt | 671 Academy Ct UNIT A | (970) 686-6839 |
| 2 | Scott Horvath - State Farm Insurance Agent | 1295 Main St #6 | (970) 686-6161 |
| 3 | Joe Unruh: Allstate Insurance | 1051 Main St | (970) 686-1026 |
| 4 | Scott Harper - State Farm Insurance Agent | 819 Main St | (970) 674-0937 |
| 5 | Heidi Washburn - State Farm Insurance Agent | 519 Main St | (970) 833-5304 |
| 6 | Farmers Insurance - Tammy Woods | 208 Main St | (970) 686-6555 |
| 7 | Squires Insurance Solutions | 421 Main St B | (970) 686-7778 |
| 8 | LSI Insurance Agency, Inc. | 401 Pointe Plz Dr Suite B | (970) 674-1151 |
| 9 | Brian Binder Agency Inc American Family Insurance | 400 Main St B | (970) 674-3223 |
| 10 | Best Insurance Group, LLC | 701 Main St | (970) 674-5000 |
Farmers Insurance - Gabriel Garcia-Hitt serves Weld County and the surrounding Windsor, Colorado area as a local farm insurance agent. This agency provides specialized policies designed to protect agricultural operations, including coverage for farm structures, equipment, and liability. It also helps local farmers manage risks unique to this region, such as weather-related crop damage and livestock exposures. Among the specific services it handles are farm property insurance and farm liability insurance.
Scott Horvath - State Farm Insurance Agent serves homeowners, businesses, and property managers in Windsor, Colorado, offering farm insurance policies that protect agricultural structures, equipment, and livestock. The agency also provides liability coverage for farm-related operations and additional options for crop or business interruption risks. Customers receive personalized consultations to tailor coverage to their specific acreage and operational needs. The agency additionally serves clients in the neighboring community of Timnath and the surrounding parts of the Fort Collins metro area.
Joe Unruh: Allstate Insurance provides a range of farm insurance services in the Windsor, Colorado area. It works with agricultural clients to create insurance plans that address their unique property and liability needs. Coverage can include protection for farm structures, equipment, and livestock, while service options allow for customized risk management. The agency also assists with routine policy reviews and updates to maintain adequate protection. It services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants in the local region.
Scott Harper - State Farm Insurance Agent serves Windsor, Colorado, and the surrounding communities of northern Weld County. The agency handles farm insurance for local agricultural operations, covering structures, equipment, and liability specific to rural properties. Each policy is reviewed to address the unique exposures of working farms and ranches in the Front Range region. To handle a typical job, the agent begins with a detailed consultation to assess the client’s property and operational needs, then presents coverage options that align with standard agricultural risk management practices.
A farm insurance agent may offer either one-time liability policies or recurring comprehensive plans, each tailored for agricultural operations. Coverage typically includes protection for farm structures, equipment, livestock, and crop losses due to weather or accidents. This agency serves Windsor and the surrounding area, providing gap-free policies for local growers and ranchers. Service runs on either a one-time basis for seasonal coverage or an as-needed schedule for adjusting existing plans during changes like adding new machinery.
Offering liability and property coverage tailored for farms, ranches, and agricultural operations, this agency also handles auto, home, and life insurance for the broader Windsor community. As a local farm insurance agent, Tammy Woods customizes policies to address the unique risks of crop loss, livestock, and equipment. Clients often seek preparation assistance during hail season and need protection for feed storage or outbuildings against sudden Colorado weather shifts.
Spring runoff can threaten irrigation equipment and young crops in Windsor. Squires Insurance Solutions provides farm-specific policies that cover combines, center pivots, and grain storage from unexpected damage. Livestock mortality coverage and liability for farm premises also protect diverse operations in Weld County. Every farm presents unique risk factors based on equipment inventory and acreage. This agency begins each relationship by scheduling an on-site inspection of all barns, machinery, and livestock facilities to assess current exposures.
LSI Insurance Agency, Inc. serves the Windsor, Colorado area with comprehensive farm insurance services. As a dedicated Farm Insurance Agent, the company helps local agricultural operators manage risk and protect their operations. Practical policies are designed to cover essential farm structures and valuable machinery. They also provide specific coverage for livestock and harvested farm products stored on the property.
Brian Binder Agency Inc American Family Insurance provides personalized farm insurance solutions for agricultural operations in Windsor, CO. Their coverage extends beyond basic farm policies to include specialized protections for equipment, livestock, and crop damage. They assist with liability considerations and income loss scenarios common to farming businesses. Their expertise also supports commercial sectors such as offices, warehouses, and food service establishments, ensuring appropriate insurance for each distinct operation.
What Does a a Farm Insurance Agent in Windsor Cost?
Typical farm insurance costs in Colorado range from 800 to 3,000 dollars per year for a small to medium farm, depending on property value, livestock count, and liability limits. A policy for a larger operation with multiple buildings and high-value equipment can cost 5,000 dollars or more. Factors like location in Windsor, claims history, and deductible choices also affect the premium. This is general information, not insurance advice.
About farm insurance agents in Windsor
Farm insurance agents in Windsor Colorado help local farmers and ranchers secure coverage for their property, livestock, and equipment. Colorado law requires certain liability protections for agricultural operations, and a local agent can explain how state regulations affect your policy. Working with an agent familiar with Weld County ensures your policy matches the specific risks of farming in northern Colorado.
Frequently Asked Questions
What does a farm insurance agent in Windsor do?
A farm insurance agent helps you find a policy that covers your barns, equipment, livestock, and liability needs. They review your operation size and recommend coverage from multiple insurance companies. They also explain how Colorado agricultural laws, like the Colorado Farm Products Act, may affect your insurance requirements.
Do I need a separate policy for my farm in Windsor?
Yes, standard homeowners insurance does not cover most farm-related risks. A farm insurance policy in Colorado typically includes dwelling coverage, farm liability, and coverage for outbuildings and equipment. Your agent can help you combine personal and farm coverage into one package.
How does Colorado law affect farm insurance in Windsor?
Colorado has specific liability rules for agricultural operations, including protections under the Colorado Right to Farm Act. Farm insurance agents in Windsor can help you understand how these laws affect your coverage needs. They also know local weather risks like hail and drought that are common in Weld County.
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