I like our local Farm Bureau agent. FB will bundle your auto, property, and even health insurance into one premium. I don't know if they necessarily are the cheapest, but they are one of the few that will let you cover things like grain bins, and irrigation equipment at replacement cost, even if it is older. Most other companies I know of, once your stuff gets over 10 or 20 years old, they will do a pro-rated, or 'value only' policy. Doesn't do you a lot of good when a bin you put up for $20,000 costs $50,000 to replace. FB will let you buy up to replacement value, if you want to. Of course, a lot of why I like FB is because of our local agent. They can make or break your coverage.
Lastly, if you DO have your bins, buildings, etc already covered for replacement value, your premiums will go up simply because the cost of replacing the stuff has gone up. For example, a center pivot that was $35,000 7 years ago was $50,000 4 years ago, and $70,000 today. The premiums go up just because the value of what you are covering has risen.
