Ag Advantage Insurance

The Ag Advantage policy offers coverage for the property exposures of your farm and ranch, including your home, outbuildings, and farm and ranch personal property. 360 Insurance also offers a variety of optional coverage that can be added to your policy to meet your individual needs and tailor your policy to fit you.

Coverage is broken into different sections:

Property Coverage
The Ag Advantage offers coverage for the property exposures of your farm and ranch including your home, outbuildings, and farm and ranch personal property. Some optional coverages include: replacement cost coverage for household personal property, earthquake, backup of sewer or drains, and waiver of glass deductible.
Auto Coverage
We offer fast, fair claims service. Our discounts to eligible drivers include multi-car, good student, claims free, senior citizen defensive driving, low mileage, and farm vehicles. Some optional coverages include: theft rental reimbursement, special equipment or paint, rental expense, additional living expense, and accidental death or dismemberment.
Liability Insurance
In addition to standard liability coverages (bodily injury, property damage, and medical payments), we offer several ways to cover the unique liability exposures of a farm or ranch. Some optional coverages include: named persons medical and personal injury liability.
Inland Marine
You may need extra protection for your valuable personal items such as jewelry, furs, guns, and fine arts. We can also insure recreational vehicles, truck cargo, saddles, tack, hay, grain, livestock, farm equipment, and irrigation systems.
Ask your agent about increased worldwide liability protection of $1 million or more for a reasonable premium.

Optional Coverages

Ag Advantage is a flexible policy that can be tailored to provide the coverage and limits you select—at a cost lower than buying them separately. You can cover the following under one comprehensive policy

Personal and Farm & Ranch Liability
Farm Equipment
Additional Living Expense
Livestock, Hay, and Grain
Auto Liability & Physical Damage
Farm Personal Property
Additional Buildings
Recreational Vehicles & Boats
Sprinkler Systems
Household Personal Property
Umbrella Protection

Potential Discounts

Are you looking for quality insurance that you can afford without sacrificing coverage? You are in the right place! 360 Insurance Company is proud of the high-quality products and services we offer. The following discounts reflect our commitment to offer these products at an affordable rate without sacrificing coverage or value. As you qualify for certain discounts to reduce price, service never decreases. Price is what you pay. Value is what you get. When you are teamed up with 360 Insurance, you are guaranteed a great value! Contact your agent today to see if you qualify for the following benefits:

Farm Use Discount
Many discounts are available for farm trucks, tractors, and farm vehicles with special equipment installed:

  • Farm Utility
  • Farm Truck
  • Farm Service
  • Farm Truck, Not Licensed
  • Limited Farm Use
  • Farmers Limited Use Semi-Tractor*
  • Farmers Limited Use Semi-Trailer*

*Available if used within a limited radius.

Hay Credit
If we insure your peak season hay for a full year, you will receive a credit for one half of your hay premium when your policy renews.
New Home Discount
Your premium automatically reflects a discount if your home was built in the last 9 years.
Home Alert Discount
A discount is offered to homeowners who protect their homes with various qualifying alarm and alert systems.
Wind/Hail Resistive Roofing Discount
If your roof has been constructed of qualifying “wind resistive” or “hail resistive” materials, you may be eligible for a discount.
Longevity Discount
We value client loyalty. So for every three years your home is insured with 360 Insurance, you are eligible for a discount.
Package Policy Discount
If you choose to insure your home and autos with 360 Insurance, there could be a discount involved for you.