Farm · Champaign County · Since 1947
Farm Insurance in Champaign County, Ohio
We’ve been writing farm policies in Urbana since 1947 — equipment, livestock, grain, the works. Here’s what we’ll ask you about and what we’ll shop for you.
We’ve been writing farm policies in Urbana since 1947 — equipment, livestock, grain, the works. Here’s what we’ll ask you about and what we’ll shop for you.
If you farm in Champaign County, your policy needs to cover more than a checkbox. Generic farm policies written from a call center miss things — the grain bin you added two years ago, the livestock operation you run on the side, the farm truck that crosses county lines. We sit down with you, ask the right questions, and then shop the coverage across carriers who actually specialize in Ohio agriculture.
One conversation covers the whole operation — from the farmhouse to the back forty.
Farm Dwellings & StructuresFarmhouse, barns, grain bins, machine sheds, and outbuildings — covered at replacement value, not depreciated.
Farm Equipment & MachineryTractors, combines, sprayers, and implements. We ask about custom farming exposure too.
LivestockCattle, hogs, poultry — scheduled or blanket coverage depending on your operation.
Grain & CropsOn-farm grain storage and growing crops. Separate from your FSA/RMA crop policy.
Farm Vehicles & TrucksFarm trucks, ATVs, and UTVs used in the operation. Different rules than personal auto.
Crop InsuranceUSDA-backed through our crop specialists. We’re your one-stop shop.
Farm LiabilityPersonal liability and farm premises coverage for customers, vendors, and agritourism exposure.
Umbrella CoverageExtra liability protection above your farm and auto policies.
The questions we hear most from Champaign County farm owners.
It depends on how the truck is used and titled. Farm trucks used primarily in the operation and titled under the farm entity are often covered under a farm policy — but trucks that also travel on public roads for personal use may need commercial auto endorsements or a separate policy. We ask the right questions so nothing falls through the gap.
Agritourism exposure is a real coverage question. Standard farm policies typically exclude commercial events. We’ll review your operation and add the right endorsements — or find a carrier that writes agritourism liability cleanly.
Yes, if it’s properly scheduled on your policy at replacement cost. A lot of farm owners have bins that were added or expanded after the original policy was written — those additions need to be reported. We walk through your current structures at every renewal.
A farm policy can cover both the farmhouse and the farm structures under one policy, which is usually more efficient and more comprehensive than a standard homeowners policy attached to a farm. Farm policies are designed for mixed-use properties.
Yes — Ashley Powell is our crop insurance specialist. USDA-backed crop insurance is written separately from your farm property policy and has its own enrollment deadlines. Call us before the sales closing date for your county.
We insure farms across Champaign County — from Urbana and St. Paris to Mechanicsburg and North Lewisburg. Ashley has been our crop specialist for years, and she knows what Ohio farmers actually need.Sellman Insurance Group — Urbana, Ohio
A real conversation with someone who knows Champaign County agriculture — no scripts, no pressure.