Farm Insurance

Protecting Your Home, Livelihood, and Everything in Between

Farm Insurance Explained:

Your farm isn’t just where you live — it’s your livelihood. From your home and personal property to your equipment, livestock, and operations, farm insurance helps safeguard what matters most.

Here are the core farm insurance coverages to consider:

Dwelling & Personal Property: Covers your home and belongings at actual cash value against covered perils like wind, fire, and theft.

Example: A windstorm damages your roof — your policy helps cover the repair or replacement costs, subject to your deductible and policy limits.

Farm Personal Property: Protects your equipment, supplies, livestock, poultry, feed, seed, and tools — either on a scheduled or unscheduled basis.

Example: Lightning strikes and kills one of your cattle. Your policy can cover its cash market value at the time of loss.

Liability Coverage: Provides protection if someone is injured or property is damaged on your farm, covering medical payments, first aid, and claim expenses.

Example: A visitor’s vehicle is damaged when an employee accidentally hits it with a tractor. Liability coverage helps pay for the repairs.

Optional Farm Insurance Coverages

Every farm is unique — which is why you can add additional protections to tailor your policy, including:

  • Equipment Breakdown for Farms – Covers repair/replacement costs for covered equipment failures.

  • Replacement Cost Loss Settlement (Dwelling) – Pays the full repair or replacement cost of your home without depreciation.

  • Replacement Cost Loss Settlement (Personal Property) – Replaces your belongings at today’s prices, not depreciated value.

  • Special Causes of Loss for Farm Property – Expands protection to cover certain risks excluded under standard policies.

  • Machinery Schedule – Allows you to list all farm equipment for broader coverage.

  • Home Systems Protection – Helps cover major home systems like A/C, heating, and more in case of breakdowns.

  • Increased Medical Payments for Farm Employees – Provides additional medical protection for employee injuries (not a substitute for workers’ compensation).

Why Farm Insurance Matters

From unpredictable weather to everyday risks of operating equipment, farming comes with challenges you can’t always control. The right insurance helps protect both your home and your livelihood, so you can focus on running your operation without worrying about financial setbacks.