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The Complete Guide to Everything You Need to Know About Farm Insurance

Read time: 02:30

Every farm is different. Maybe you farm as a hobby, or maybe you operate a commercial dairy farm. Some farms require bigger equipment and some have more animals than others. Despite the differences, all types of farming have something in common: the need for insurance.

Let’s dive into what farm insurance is and what to consider when shopping for a policy.

So, what is farm insurance?

Four images of a farm shown in spring, summer, fall and winter.
Farm insurance protects your farm. It’s that simple!

A farm can be your biggest life investment, so it is crucial to protect that investment in case an unforeseen event happens.

At Auto-Owners, we offer coverages for farms of all sizes, locations and types of operations. As the seasons change, your farm coverage can change with them. 

A farm policy can cover:

  • Dwellings
  • Farm structures
  • Farm personal property
  • Inland marine
  • And liability

Read more: Quick and Easy Overview of Liability Insurance for Business

So, what coverages should you consider?

The farming industry is constantly evolving through innovation and technical advancements, and we are right there with them. At Auto-Owners, we offer a variety of coverages to meet your farm’s specific needs.

  1. Farm Equipment Breakdown: Repairing today’s complex farm equipment requires special skills and can be expensive. Protect your investments with Farm Equipment Breakdown coverage to give you peace of mind, knowing that you won’t encounter costly repair bills.
  2. Farm Income and Extra Expense: After a loss, it can take some time to get your farm runningMultiple chickens eating feed from the ground. smoothly again. Farm Income and Extra Expense coverage covers loss of income, costs for continuing operations and extra expenses incurring during the time of rehabilitation.
  3. Cyber Protection: As technology evolves, so do the risks that threaten your home, farm and the data you use every day. Having insurance to protect against new and evolving risks is critical.  Cyber Protection is a suite of coverages and services including cyberattack, cyber extortion, fraud, and data breach.

Package Coverages for Target Markets

Depending on your farm type, you likely have unique insurance needs. These optional coverages are uniquely tailored to meet the needs of our farm customers, providing you with increased options in a single endorsement.

  • Beef Package
  • Dairy Package
  • Equine Package
  • Grain Package
  • Ag Package

What is important to consider when shopping for a policy?

At Auto-Owners, we know that farming is more than a business or a hobby… it’s a way of life.

Protecting your farm in today’s evolving industry is more than just providing you with innovative coverages. More importantly, when you are shopping for a policy you want to be insured by a company you trust. Ask yourself, in the unfortunate event of a claim, do you really want an insurance provider with little to no farming knowledge inspecting your property? This can be very frustrating and time consuming.

Our underwriters have a variety of knowledge and years of experience in agriculture, giving them the tools needed to serve you.

Connecting with an agent who sees you not only as a customer, but also a farmer, is necessary. Our independent agents will work with you to tailor a custom farm policy and make sure you have the right coverage.

Read more: 8 Steps to be Confident in Your Commercial Insurance

You work hard to take care of your farm. Protecting it with the right coverages makes sense. At Auto-Owners, we understand that each farm is unique and the industry is constantly evolving. To start the process of finding a farm policy that fits your needs best, contact your local, independent agent.

*Products referenced may not be approved/available in all states. Limitations and conditions may apply. Premium will be based on benefits chosen and policy rates available at time of application.

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Disclaimer: This article is not expert advice. The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the publishing of this material.   Discounts may not be available in all states. Limitations and conditions may apply. Premiums will be based on benefits chosen. Please check with your local Independent Auto-Owners Insurance Agent for details."

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