Deschutes County's agricultural landscape is defined by its irrigated pastures. The Deschutes River and its tributaries support a network of irrigated properties that produce hay, support livestock, and provide the backdrop for Bend's thriving equestrian community. These properties — ranging from small horse pastures of a few acres to larger hay operations — require specialized insurance coverage that accounts for their unique risks and values.

Standard homeowners insurance is wholly inadequate for pasture properties. Fencing, irrigation systems, livestock, hay storage, and farm structures are all either excluded or severely limited under standard homeowners policies. Bend-area pasture property owners who rely on homeowners insurance are often significantly underinsured — a gap that only becomes apparent after a major loss from wildfire, drought, or equipment failure.

Wildfire is the defining risk for Bend-area pasture properties. Deschutes County has experienced several major wildfires in recent years, and the risk is elevated throughout the county. Pasture fires can destroy fencing, outbuildings, hay stores, and irrigation infrastructure in hours. Many standard carriers have restricted writing in high-risk areas of Deschutes County, making it challenging to find adequate pasture coverage. Insure Pacific specializes in placing agricultural coverage in the Bend area and knows which carriers are actively writing.

Insure Pacific's Bend office provides local service that remote insurers can't match. Our agents know Deschutes County's pasture land, understand local water rights and irrigation systems, and are available to help you when you need it most — at renewal time or in the middle of a wildfire claim.