A multi-generational Saskatchewan farming family consolidated five separate policies into one comprehensive farm package, saving over $3,800 annually.
Published September 28, 2025
The Makenzie family has farmed near Saskatoon for three generations. Over the years, they had accumulated separate policies for their farmhouse, outbuildings, equipment, livestock, and farm vehicles from multiple insurers. Managing five different policies with different renewal dates and coverage gaps was both expensive and confusing.
Saskatchewan Prairies Insurance conducted a comprehensive audit of all existing coverage and identified several issues: overlapping coverage on some equipment, gaps in liability protection for their agri-tourism pumpkin patch, and outdated valuations on grain storage facilities.
By consolidating everything into a single comprehensive farm insurance package, the family achieved: - 22% reduction in total premium ($3,800 annual savings) - Unified renewal date and single point of contact - Added agri-tourism liability coverage - Updated replacement cost valuations - Enhanced equipment breakdown coverage for precision agriculture technology
The new policy also included seasonal coverage adjustments that reduced costs during non-peak months while maintaining full protection during harvest season.
The Makenzie family has since referred three neighboring farm families who achieved similar results.
“We did not realize how much money we were leaving on the table with five different policies. Our broker simplified everything and saved us nearly four thousand dollars. It is a no-brainer for any farm family.”
- Client of Saskatchewan Prairies Insurance
$3,800
Annual Savings
Unified management
Time Impact
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