Specialized insurance coverage for hobby farms, small farms, and gentleman farms. Protect your rural property, animals, equipment, and structures with comprehensive farm owners insurance designed for non-commercial operations.
Farm owners insurance is a specialized policy designed for hobby farms, small farms, and rural properties that aren't primarily used for commercial agriculture. It combines property, liability, and agricultural-specific coverages into one comprehensive package.
Important: Standard homeowners policies typically exclude farm-related activities, animals, and structures. Farm insurance is essential for proper protection.
Farm owners insurance is designed for non-commercial rural properties and hobby farms.
Small-scale farming operations for personal enjoyment and supplemental income, not primary livelihood.
Rural estates with acreage, animals, and farm structures maintained for lifestyle purposes.
Large acreage properties with outbuildings, fencing, and land used for recreational purposes.
Properties with horses, stables, riding arenas, and related equine facilities for personal use.
Our farm owners policies provide extensive coverage tailored to your rural lifestyle.
Protects your home, barns, stables, and other farm structures from covered perils.
Covers legal responsibility for injuries or property damage on your farm.
Covers tractors, mowers, tools, and equipment used on your property.
Protection for animals kept on your property for personal use or enjoyment.
Customize your policy with additional protection for specific needs.
Higher limits for expensive tractors, ATVs, and specialized equipment with specific values.
Comprehensive mortality coverage for high-value horses with veterinary expense options.
Extended coverage for extensive fencing systems across large acreage properties.
Coverage for loss of income from small-scale farm product sales after a covered loss.
Protection for valuable water rights, wells, and irrigation equipment on your property.
Coverage for environmental cleanup and liability from fuel spills or contamination.
Examples showing why farm owners insurance is essential for rural property owners.
Lightning strike causes barn fire, destroying structure, hay storage, and farm equipment stored inside.
Guest is kicked by a horse, requiring surgery and ongoing medical treatment. Liability claim filed.
Tractor, mower, and tools stolen from property during overnight hours. Total loss of $45,000 in equipment.
Severe windstorm damages roof, destroys chicken coop, and causes extensive fence damage across property.
Multiple animals perish in barn fire. Coverage helps replace livestock and rebuild operation.
Animals escape through damaged fence, causing property damage to neighbor's landscaping and vehicles.
We understand rural properties and provide personalized coverage across 15 states.
Specialized knowledge of hobby farms, equestrian properties, and small agricultural operations.
Tailored policies that match your specific property, animals, and activities.
Dedicated agents who understand your unique needs and provide ongoing support.
Get a customized farm owners insurance quote today. Our experienced agents will help you find the right coverage for your hobby farm, equestrian property, or rural estate.