The top-rated farm insurance agent in St Cloud, Florida is MM Insurance Pro, rated 4.9 stars across 360 reviews. Other highly rated options include Dolly Clements Garcia - State Farm Insurance Agent, Ford Insurance, Kayla Milstead - State Farm Insurance Agent. This directory lists 18 farm insurance agents serving St Cloud.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | MM Insurance Pro | 1207 Michigan Ave | (407) 908-7474 |
| 2 | Dolly Clements Garcia - State Farm Insurance Agent | 1101 New York Ave | (407) 556-3203 |
| 3 | Ford Insurance | 113 E 13th St | (407) 847-5892 |
| 4 | Kayla Milstead - State Farm Insurance Agent | 1348 S Narcoossee Rd #105 | (407) 203-1003 |
| 5 | Amsley Insurance Services | 1617 13th St | (407) 892-9645 |
| 6 | Advantage Insurance Advisors - St. Cloud | 910 13th St | (321) 945-8153 |
| 7 | GreatFlorida Insurance: Tony Busby | 1417 Hamlin Ave UNIT G | (407) 270-8220 |
| 8 | Barakat Insurance Agency | 2722 13th St | (407) 705-3877 |
| 9 | Ashton Insurance Agency LLC | 123 E 13th St | (407) 498-4477 |
| 10 | Ann Werning - State Farm Insurance Agent | 523 13th St | (407) 593-1080 |
MM Insurance Pro serves the St. Cloud, Florida, metro area as a dedicated farm insurance agent. The company helps local agricultural operations secure essential coverage for their property and equipment. Policies are crafted to address the specific risks faced by farms in the region, protecting against damage from weather events and liability concerns. The agency assists with livestock coverage, ensuring animals are protected in case of accident or illness. It also handles crop insurance plans to safeguard annual harvests from unexpected losses.
Dolly Clements Garcia - State Farm Insurance Agent offers a full range of farm insurance services, including coverage for structures, equipment, and liability. The agency provides personalized service plans to help clients review and adjust their policies as their operations change. It also offers maintenance-oriented support for ongoing risk management needs. Its property portfolio includes single-family homes, apartments, retail establishments, and restaurants.
Ford Insurance serves homeowners, local businesses, and property managers in St Cloud, FL who need protection for agricultural assets. The agency offers farm insurance policies designed to cover structures, livestock, equipment, and liability exposures common in Central Florida’s farming operations. Clients receive guidance in assessing risks specific to their acreage and operational scale. The firm also provides tailored coverage for properties and enterprises in the Kissimmee area and surrounding Osceola County communities.
Serving St Cloud and the surrounding communities of Osceola County, Kayla Milstead - State Farm Insurance Agent handles farm insurance needs for local agricultural operations. Policies typically cover equipment, structures, and livestock against common risks like weather damage or property liability. To provide accurate coverage, the agency first evaluates the specific assets and daily activities of each farm to tailor a policy that addresses those unique exposures.
Amsley Insurance Services in St. Cloud, FL, offers both one-time policy consultations and recurring coverage options, tailoring protection plans for local agricultural operations. Their farm insurance agent services address property, liability, and equipment needs specific to the central Florida farming environment. Clients receive guidance on standard risks like crop loss and weather damage, ensuring policies fit seasonal demands. Service runs on a scheduled and as-needed basis, allowing farmers to adjust their coverage during planting or harvest times without locking into unnecessary long-term commitments.
As Florida farmers prepare for hurricane season and unpredictable weather patterns, Advantage Insurance Advisors - St. Cloud tailors coverage to protect crops, livestock, and farm structures. This agency understands the unique risks of central Florida agriculture, from citrus groves to cattle operations. They help policyholders navigate equipment breakdowns and liability concerns specifically relevant to rural operations. An initial property and liability assessment is scheduled during the first consultation to identify coverage gaps specific to each farm's acreage and operations.
GreatFlorida Insurance: Tony Busby offers specialized farm insurance policies designed to protect agricultural structures, equipment, and livestock. The agency serves the St Cloud area with tailored coverage for row crops, pastureland, and farm liability exposures. It also provides general advice on risk management strategies common to central Florida farming operations. Producers often rely on its guidance when navigating coverage adjustments for hurricane season damage or sudden shifts in seasonal feed prices.
As a local farm insurance agent, Barakat Insurance Agency in St Cloud, FL provides essential coverage for agricultural operations, including protection for crops, livestock, and farm structures. The agency can also specialize in adding liability and equipment breakdown endorsements to a base policy. This tailored approach helps farmers manage unique operational risks in the central Florida area. The company is able to serve a range of commercial sectors, including local farm offices, on-site warehouses, and food service establishments connected to agricultural production.
Ashton Insurance Agency LLC, based in St Cloud, Florida, is known for providing farm insurance tailored to the needs of local agricultural operations. Its service range covers standard property and liability protections for farms, including coverage for barns, equipment, and livestock against common risks in Central Florida. The agency also helps clients evaluate crop-specific exposures and general farm liability. For an added specialty, the company can arrange coverage for farm vehicles and machinery that travel between fields.
Ann Werning's State Farm Insurance Agency in St Cloud, FL provides farm insurance solutions alongside residential coverage for homeowners in the area. Commercial policies are also available for local agricultural businesses, ensuring proper protection for operations and equipment. The agency serves clients across Osceola County and surrounding communities. Regular check-ins between policy renewals allow for coverage adjustments as farms and homes evolve, and clients are encouraged to follow up promptly after any significant property change or new equipment acquisition to keep protection current.
What Does a a Farm Insurance Agent in St Cloud Cost?
Farm insurance premiums in Florida vary widely based on farm size location and coverage types. A small hobby farm might pay 500 to 1 500 per year for basic liability and property coverage. A larger commercial operation with crops livestock and multiple structures can cost 3 000 to 10 000 or more annually. Hurricane and flood endorsements add extra costs. This is general information not insurance advice.
About farm insurance agents in St Cloud
Farm insurance agents in St Cloud Florida help farmers and ranchers secure coverage for crops livestock equipment and structures. Florida law requires specific liability protections for agricultural operations especially regarding premises liability and worker safety. Local agents understand the unique risks of Central Florida farming including hurricane damage and sinkhole exposure.
Frequently Asked Questions
What types of farm insurance are available in St Cloud Florida?
Common coverages include farm property insurance for barns and equipment crop insurance for citrus and other produce livestock mortality coverage and general liability insurance. Florida agents can also advise on flood and windstorm endorsements due to the state hurricane risk.
Is farm insurance required by law in Florida?
Florida does not mandate farm insurance for most operations but lenders often require it for mortgaged property. Liability insurance is strongly recommended because Florida premises liability laws can hold landowners responsible for injuries on agricultural land.
How does Florida hurricane risk affect farm insurance costs?
Hurricane coverage adds significant premium costs for St Cloud farms. Policies typically include a separate windstorm deductible often 2 to 5 percent of the insured value. Agents can help you choose appropriate deductibles and coverage limits for your specific crops and structures.
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