Explaining Crop Insurance with Zoe Kaiser [episode 20]

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Today’s episode features Zoe Kaiser, row-crop farmer, rancher, farmer’s wife, farmer’s daughter, and Crop Insurance agent. Zoe lives in western Kansas with her husband; they’re both 5th generation farmers, and between the two of them, they have a lot of irons in the fire! When Zoe’s not helping on the farm, she spends her time informing customers and finding solutions that best fit her customer’s row crop and cattle operation. She’s passionate about the world of crop insurance and risk management, and loves that she has the opportunity to serve Western Kansas producers with the quality customer service and solutions they truly need.

We’re explaining crop insurance in this episode - specifically from an agent’s perspective, because this is the world that Zoe and I both work in. Crop insurance plays a vital role for families and their farms, because really, it’s how they’re able to protect their livelihoods (no matter what kind of crazy weather occurs that year). We’re talking about the importance of multi-peril crop insurance, terms like the 10-year average and APH, a variety of policies and products that may be beneficial in protecting your family (depending on where you live), and more.

There is a LOT more money on the table with farming these days - you don’t want to be left vulnerable and completely unprotected, no matter where you live. Zoe and I both really enjoy the world of Crop Insurance; it’s extremely rewarding getting to support so many incredible families and their operations in this way. I hope this episode gave you some great insight as to what we see and do in our day-to-day work! 

Zoe Kaiser is a row-crop farmer, rancher, farmer's wife, farmer's daughter and Crop Insurance Agent. She and her husband Luke reside near Grainfield, Kansas where they farm and ranch with both of their families raising corn, soybeans, sorghum, sunflowers, wheat, and running a registered black Angus herd with a production sale each spring. Having grown up farming with her father and now farming alongside her husband, Northwest Kansas and agriculture runs thick in her blood, and is her top passion. Off the farm, Zoe spends her time informing customers and finding solutions that best fit her customer’s row crop and cattle operation. She understands risk management and crop insurance like the back of her hand, and is continually working to serve Western Kansas producers with top notch customer service and dedicated solutions. Zoe believes in the importance of rural by choice and enjoys impacting her local communities by being involved with various boards, organizations and volunteering where she can. Zoe is a prime example of the diversity, leadership and strength that women in agriculture hold, past, present, and future!

In this episode, Explaining Crop Insurance with Zoe Kaiser, we cover:

  • Why crop insurance is like a critical safety net
  • The importance of Multi-Peril Crop Insurance (MCPI) + what the 10 year average and APH program is
  • The complicated nature of hail + why basic policies like hail and wind insurance are necessary (especially in certain geographical areas)
  • Various insurance products and policies that can protect you and your family in multiple different ways
  • Precipitation and drought-like conditions + how this greatly impacts planting, harvesting, and everything in between

Resources & Links:

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More about The Busy Farm Mom podcast: 

Are you always questioning if you’re a good enough mom? Are you confused on what nutritional options are best for your family to be healthy and nourished? Are you burning the candle at both ends and feeling desperate to find ways to take better care of your family & your own wellness?  

Welcome to The Busy Farm Mom! The podcast where we deep dive to answer these questions and so much more! Tune in for conversations with me, your host, Amanda, as we come together in this space to relate to one another & all the facets of being a busy farm mom. 

We will discuss topics such as navigating motherhood, deciphering food choices, holistic wellness, and how agriculture ties into all of it. Think of this podcast as a community for farm moms, to chat about all the decisions we make to care for our families. We are in this together! 

My goal of this podcast is to relate to so many of you when you don’t feel like you’re enough. I want you to walk away feeling equipped, confident, and joyful about your role as a busy farm mom so that you can thrive, and therefore, your family can thrive, too. 

We can gather around as friends in this space, while being in our most chaotic stages of life, whether you’re chasing your toddler, preparing endless amounts of meals for your family, driving to work, or running the grain cart. This space is an opportunity to grow and learn simple tips from me & so many special guests on ways we tackle that doubt of “are we a good enough mom?” Kick that thought out of your mind and come join our judgment free zone, where we will never question that you’re doing a great job mama!

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