Crop, farm, equipment, and liability coverage from a team backed by a national insurance network with deep roots in agriculture — coverage built around your land, your risk, and your bottom line.
100+Years combined experience
2003Serving growers since
Top 30National P&C brokerageWhy Inszone Agriculture
Coverage
Crop insurance protects what you grow. Farm insurance protects everything it takes to grow it.
We write both, which means one team sees the whole operation.
Crop risk management
Federal and private products, structured around your acres, your history, and your appetite for risk.
Farm property & casualty
The buildings, the machinery, the livestock, and the liability that comes with running a farm as a business.
Our Team
Inszone Agriculture works as a single team, sharing markets, training, and expertise so that the grower in one state gets the same depth of knowledge as the grower in another.
Our Agencies
Inszone Agriculture brings together established agencies that have served their communities for decades. Same people, same offices, more behind them.
Ohio Valley Insurance
Owensboro, Kentucky
Serving growers since 2003.
Parker Haskins Insurance
Dodge City, Kansas
An agriculture-focused agency serving its region with crop and farm coverage.
What Our Clients Say
They say “price is what you pay, service is what you get.” Amy Geary has delivered on both counts for my wife and me! She handled our new policies quickly and with minimal work on our end. And now, she has handled our home claim better than I could have ever even expected. In less than 2 weeks, we already had a check in the mail!
Like having great local folks even in small town Clinton, KY! Andrea Davis is quick to respond and very knowledgeable! Great asset to the community!
I do believe Jenny Baird is one of the most helpful people around. When we need her she is there no matter when or what it is — she’s on top of it. Exactly what you would want and need in an insurance agent.
Frequently Asked Questions
Straight answers to the questions that come up most often, in plain language.
Crop insurance protects the crop itself — the yield or the revenue you expect to bring in from the acres you plant. Farm insurance protects everything else it takes to grow that crop: your buildings, your equipment, your livestock, and your liability as a business owner. Most operations need both. That’s the whole idea behind Inszone Agriculture: one team that handles the crop side and the property and casualty side, so nothing falls through the gap between two different agents.
MPCI is the federal crop insurance program administered through the USDA Risk Management Agency. It covers yield or revenue losses caused by natural causes — drought, excess moisture, hail, wind, freeze, insects, and plant disease — on the acres you plant. Premiums are subsidized and the policy language is the same at every agency, so what changes from one agent to the next is the guidance: which plan, which coverage level, and which unit structure fit your operation.
Usually, yes. MPCI pays against a guarantee built on your production history, so a storm that flattens part of one field may not drop you below that guarantee at all. Crop-hail is written acre by acre, often with a low deductible, and pays on the damage where it happened. Growers with high-value crops or acreage concentrated in one area tend to carry both.
A farm policy is built to do exactly that. Barns, machine sheds, grain bins, and other outbuildings are scheduled as structures, and tractors, combines, implements, and tools are covered as farm personal property or on an inland marine schedule. What matters is keeping those values current — equipment bought or sold since the last renewal is the most common gap we find.
Replant coverage helps pay the cost of putting a crop back in the ground when the first planting is lost early and there is still time to replant. MPCI includes a replant payment on most crops when the acreage and timing requirements are met. Call us before you work the ground: the loss has to be reported and the acreage looked at first.
Federal crop programs run on fixed sales closing dates that vary by crop and by county. Once that date passes, coverage levels and plans cannot be changed for that crop year. We start these conversations well ahead of the deadline so there is time to run the numbers instead of signing under pressure.
Crop coverage decisions run on firm federal dates. Reach out early and we will make sure you know which ones apply to your operation.
