Killian Insurance Agency

Trusted Resource

Learn how coverage works in real life, clear guide, plain talk, and checklists you can actually use.

Trusted Resource

We pride ourselves on being more than just a provider of policies – we strive to be a trusted resource throughout our partnership. Whether you have questions about your policy, need assistance navigating a claim, or are seeking advice on risk management strategies, we’re just a phone call, text or email away. That’s what we’re looking to be – your Trusted Resource for all your insurance needs and for life. 

We believe this means in part:

  • Available when you need us
    • You’ll have our cell phone to contact us when you need us – and we look to answer or call back as soon as possible day, night or weekends because urgent matters don’t schedule themselves in advance on each of our calendars
  • Ready to quote now or when you need us in the future
    • Sometimes it’s best to wait until renewal or when more feasible
  • Honest when it comes to pointing out value we can provide
    • If we can’t add value – we’ll tell you
  • Thorough review of current coverage
    • Many times, for example, we find equipment and buildings that were said to be included in current coverage are actually not
  • Ongoing Annual Reviews
    • A lot can happen in 12 months

Winter Storm Readiness for Farms & Ranches

Winter prep isn’t new, but the tools are. Here’s how experienced farmers and ranchers are using today’s tech and best practices to stay ahead of the next hard freeze to hit areas in Central U.S and accross the country.

Even seasoned operators know winters can be hard, storms are fast, power failures are more common, and operations rely more than ever on electricity, automation, and continuous water flow. Modern farm and ranch winter storm preparation is less about grit and more about building systems that stay running even when everything else stops.

1. Make water failure-proof.
Use layered redundancy: heated automatic waterers, remote tank monitors, insulated lines, and at least one no-power water source. Pre-label which breakers run wells, water supply, and pump houses so anyone can hook them to the generator under pressure.

2. Prioritize critical loads, not comfort.
During load-shedding or generator use, wells, tank heaters, and essential barn lighting get power first, not shops, offices, or nonessential circuits.

3. Design chore routes for ice and darkness.
Pre-stage gravel/sand paths, panel gates, and headlamp lighting to reduce slips and shorten feeding paths during freezes.

Based on what we see every year across Texas, the Central U.S., winter rewards smart planning, not just hard work.
If you’d like help reviewing your ranch’s winter storm readiness, or making sure your protection matches your operation, Killian Insurance Agency is here to walk through the plan with you.

Protect Your Operation

Protecting Livestock in Extreme Cold

The cold stress warming approach has evolved over the last 30 years. Here’s the modern, high-efficiency approach ranchers and producers in the Northern & Central U.S. use to keep horses, cattle, show animals, and small stock safe during extreme cold.

Extreme cold challenges not just livestock, but the systems that sustain them. Modern winter livestock protection focuses on energy management, hydration, and microclimate control, rather than relying solely on tough stock. This is the foundation of extreme cold livestock management used by top horse and cattle producers across Texas, the Southern Plains of the Central U.S., and even Northern U.S. states.

1. Prioritize energy, not just feed volume.
Cold stress triggers an energy demand spike. Increase energy food density with cubes, grain, or high-fat supplements. Monitor Body Condition Scoring (BCS) closely; thin livestock fail fastest in deep cold.

2. Protect hydration as aggressively as shelter.
Dehydration is still the #1 cold-weather killer. Use heated troughs, insulated valve boxes, and remote water monitors. Maintain a no-power backup water source.

3. Build microclimates, not just shelters.
Effective thermoregulation depends on windbreaks, dry bedding, and proper barn ventilation. For example, goats and sheep require overhead shelter; show pigs need tight temperature control to avoid respiratory stress.

What livestock are most at risk during extreme cold?

Newborn calves, older cattle, low-BCS animals, and show stock are hit first. Use warm boxes, calf-ear protection, and high-energy boosts when temperatures fall below critical thresholds.

Based on what we see every winter across ranches in the Northern and Central U.S., cold-weather success comes from planning smart, not just working hard. If you want help reviewing your livestock winter emergency plan, Killian Insurance Agency is ready to walk through it with you.

Protect Your Operation

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