Betsy HarmsBrad Phillips2024-01-30T16:48:10-06:00

Betsy Harms

Betsy Harms

101 Sherman Ave
Ackley, IA 50601
Phone: 641-847-9847

Betsy Harms

At our agency we specialize in working with our clients to protect their family, assets, and future income using a comprehensive insurance plan. We learn what our clients need, shop our partner companies to find the best fit, then place the policies that provide the protection needed at the cost desired.

Our specialty is working with personal clients looking for a competitive home and auto policy as well as small business owners that need help protecting and growing their company. We believe in a consultative approach. We begin with learning what our client's specific needs are and end with supplying a personalized and customized insurance plan.

A Few of Our Partners

Our Solutions

Business Insurance

Whether you own a small business with no employees or a large operation with over 100 employees, we can design an insurance portfolio for you.

Group Benefits

Looking for a way to attract and retain talented employees? We can shape a comprehensive employee benefit plan.

Business Transitioning

Does your business have a well thought-out and funded plan in the event one of the owners passes away or is no longer able to work?

Farm Insurance

Our company Founders come from an agriculture background. We know farms.

Home Insurance

Whether you need insurance for your home, condo, or just renters insurance we have you covered.

Auto Insurance

Looking to bundle your car insurance with your home or just need a stand alone policy? We can shop for you to find the best deal.

Toy Insurance

Have a Motorcycle, ATV, Snowmobile, RV, Classic Car, or some other toy you need insured?

Life Insurance

We help you protect what matters most. Life insurance protects your family when something unexpected happens.

Umbrella Insurnace

An umbrella insurance policy increases the liability limits on your home, auto, and toy policies by $1,000,000 or more.

Health Insurance

Confused with the ever-changing rules and regulations with health insurance? We will guide you through it.

Disability Insurance

Would your family survive if one of incomes were lost due to a disability?

Long Term Care Insurance

The cost of Long Term Care has been increasing exponentially. It can cost more than $6,000 per month for long term care.

Recent Posts

Reduced Crop Insurance Premium for Farmers in 2026

Betsy Harms2025-09-09T09:11:32-05:00September 9th, 2025|0 Comments

The One Big Beautiful Bill included changes to the share that farmers will pay for crop insurance products in 2026. Area- Based Plans The Area-Based Plans will see the biggest changes. SCO & ECO's subsidy [...]

New Crop Insurance Product for 2026: MCO

Betsy Harms2025-09-02T16:38:53-05:00September 2nd, 2025|0 Comments

MCO, Margin Coverage Option, is a new crop insurance product for 2026. I like to think of MCO as a hybrid between ECO and Margin Protection. MCO works similar to ECO and also provides a [...]

2026 Expected County Yields

Betsy Harms2025-09-02T15:51:46-05:00September 2nd, 2025|0 Comments

Here are the Expected County Yields that will be used in area-based crop insurance products like Margin Protection, MCO, ECO and SCO in 2026.

2024 Margin Protection Indemnity Payments

Betsy Harms2025-06-16T09:59:00-05:00June 16th, 2025|0 Comments

Here is a chart showing the 2024 Margin Protection Indemnity Payments for the counties in our area. As a reminder, the Projected Price was set back in Aug/Sept of 2023 at $5.09. The Harvest Price [...]

Locations

101 Sherman Ave
Ackley, IA 50601

Contact

Phone: 641-847-9847
Email: bharms@phillipsstafford.com