Protect your farm property, equipment, livestock, and operations with coverage tailored to the unique risks of agricultural life.
Farm Insurance
Coverage Designed for Modern Farming Operations
Farm insurance helps protect the buildings, equipment, livestock, produce, and liability exposures that keep your operation running. Coverage can be customized based on the size and type of your farm operation.
Whether you operate a grain farm, livestock operation, hobby farm, or mixed-use property, having the right protection in place is essential.
COMMONLY INSURED PROPERTY
- Farm Dwellings
- Barns and outbuildings
- Machinery and equipment
- Livestock
- Harvested produce
- Farm Liability exposures
What Farm Insurance May Cover
Farm Dwellings & Buildings
Coverage may help protect farm homes, barns, storage buildings, and other farm-use structures from covered losses.
- Farm homes
- Barns
- Livestock facilities
- Storage buildings
Certain losses such as flood or earthquake may require additional coverage.
Produce & Refrigerated Goods
Coverage can help protect harvested crops, feed, milk, eggs, and refrigerated products from covered losses.
- Harvested crops
- Feed
- Milk and eggs
- Refrigerated produce
Spoilage and refrigeration breakdown coverage may be available through endorsements.
Livestock Protection
Livestock coverage may apply to cattle, horses, poultry, swine, sheep, and other insured animals.
- Market value protection
- Wild animal attacks
- Blizzard or snowstorm losses
- Building collapse
High-value livestock may require scheduled coverage.
Machinery & Equipment
Coverage may apply to tractors, combines, and farm-use equipment essential to your operation.
- Tractors
- Combines
- Farm equipment
- Operational equipment
Loss of use coverage may help pay for temporary rental equipment during repairs.
Farm Liability Protection
Farm liability insurance helps protect against claims involving bodily injury or property damage related to farming operations.
Coverage may extend to farm owners, household family members, and employees acting within their farming duties.
Liability Coverage May Include
- Personal liability
- Premises liability
- Farming operations liability
- Tenant’s legal liability
Activities That May Require Additional Coverage
- Agritourism
- Custom farming work
- Horse riding lessons
Understanding Coverage Options
Named Perils Coverage
Provides protection only for losses specifically listed in the policy wording.
Broad Form Coverage
Provides broader protection by covering a wider range of risks and property exposures.
Optional Coverage Enhancements
Additional protection may be available for losses related to weather events, flooding, or other excluded perils.
Coverage options may help protect against operational interruptions or income loss after a covered event.
Specialized endorsements may provide added protection for valuable equipment, livestock, spoilage, or power interruption losses.
Eligibility for certain endorsements depends on the type of operation, property condition, and underwriting requirements.
VALUATION & CLAIMS
Understanding Your Coverage
Actual Cash Value (ACV)
Claims are settled based on the depreciated value of the property at the time of loss.
Replacement Cost
Claims are settled based on replacing damaged property with new property of similar quality and function.
Important Coverage Considerations
- Deductibles apply to covered losses
- Underinsuring property may reduce claim payments
- Coverage values should be reviewed regularly
- Inflation can affect replacement costs
Insurance Settlement Limitations
Deductibles
Deductibles are the portion of a claim paid before insurance coverage applies.
- Higher deductibles may lower premiums
- Different deductibles may apply to buildings and equipment
- Common farm deductibles start around $1,000
Coinsurance
Many farm policies require property to be insured to a percentage of its replacement value.
- Common requirements include 80%–100%
- Underinsuring property may reduce claim payouts
- Coverage values should be reviewed regularly
Farm Contents Coverage
Farm contents coverage can help protect important operational assets, including:
- Livestock
- Machinery and equipment
- Produce
Coverage should be updated as operations and assets change.
Protect Your Farm With Confidence
We can help you compare farm insurance solutions tailored to your property, equipment, and agricultural operations.