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Experience We have been providing quality insurance for all types of rural and farm business including Custom Harvest insurance for over 25 years. We are an Agribusiness firm and no risk is to small or to large. We insure long haul trucking, cargo, home, auto,Farm Owners, Feed Mill and Elevator coverages. We also are an excellent source for life insurance, health insurance, annuities, IRA Accounts. Knowledgeable Staff Every person in our office knows how to serve your account. Competitive Rate We strive to provide quality insurance at reasonable rates. Availability We can be reached 24/7 via telephone, fax, E-mail, or our website. We want to be there for you. Meeting Your Needs We cater to the Agri Business at every level of production and service. forage, We insure Custom Harvesters of all small grain and cotton and you will get the same attention if you run 1 or 20 machines. If you are a farm owner we can insure your home, auto, crops, and machinery. If you own an Elevator, or are involved in agribusiness of any kind and we can help you with your risk management needs. We are able to do all types of confined animal insurance, hogs, feed lots, etc. . We have great irrigation rates for center pivots. If you need any agri business protection check us out. Customer Support We sponsor and attend safety meetings to provide a safe worksite. Rodgers & Associates Team Rodgers & Associates is committed to being one of the premier independent insurance agencies in Phillipsburg, Kansas. Our commitment is to provide customers with the best insurance value and service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the public. From Phillipsburg, Kansas we serve clients in North Dakota, South Dakota, Minnesota, Iowa, Nebraska, Oklahoma, Texas, Tennessee, Missouri and Colorado. Rodgers & Associates is a general independent insurance agency with a broad range of Commercial, Personal, Life, and Health products. We’ve aligned ourselves with some of the finest carriers to deliver these products to you. Established in the summer of 1970 as a one-man operation, Rodgers & Associates has grown to one of the premier insurance agencies in the Great Plains States. From our location in Phillipsburg, Kansas we serve middle America. Rodgers & Associates is currently owned and operated as a corporation and has over three decades of service history.
Building That New Home? What About Insurance?
If you're building a new home, congratulations! However, if you don't insure your new residence during construction, you're exposing yourself to a huge risk if 4a fire, theft, or other event damages or destroys your partially-completed home.

You can protect yourself by buying a standard homeowners policy on the new dwelling. This will cover you for any damage to the home as it's being built, and might also provide some coverage for theft of building supplies (although the building contractor's insurance should also cover this). The policy includes liability insurance, which would come in handy if one of your friends trips during a "tour" of your dream house and decides to sue you. However, homeowners insurance will not cover your personal property until the building is secure or "lockable." Once construction reaches this point, you can add coverage for your personal property.

As an alternative, consider a dwelling and fire policy, which covers damage to the physical structure, but provides no theft coverage. This might be an appropriate choice if you're living in your old house during construction, because the homeowners policy on this dwelling would cover theft of items from the construction site. Dwelling and fire insurance also provides liability coverage.

Once your new home is complete, it makes sense to re-evaluate your coverage. If you chose dwelling and fire coverage, you might want to replace it with a homeowners policy. If you have a standard homeowners policy, make sure that you have insured the home to its full value, especially if you have altered the original building plans (for example, by adding a room or upgrading building supplies).

If you have any questions about protecting your new home while it's being built, just give our insurance professionals a call. We're always here for you.

Kimberly Beach
Other articles by: Kimberly Beach
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