What Does Farm Insurance Cover?

Similar to a homeowners insurance policy, a farm and ranch insurance policy will cover your home, personal property, liability, and any additional living expenses. Since ranchers and farmers tend to work and live on the same property, these policies are often a hybrid between homeowners and commercial insurance. Some examples of what can be covered under farm insurance include:


Farm Liability Coverage

Farm and ranch insurance provides liability protection, which can help protect employees and workers on your property. This protection plan often covers bodily injury, medical expenses, and property damage. It’s important to note that liability coverage is not an option for every farm insurance policy due to the risks at hand.


Farm Machinery and Equipment

As you likely already know, when a large piece of farming equipment breaks down, it can cost an arm and a leg to fix. Farm insurance can protect the policyholder from financial loss when things like tractors, combines, planters, and field equipment breaks.


Pollution Liability Insurance

If you use fertilizers, pesticides, and herbicides on your property, you may want to look into pollution liability insurance. These chemicals can carry serious risks when it comes to pollution hazards, which can increase the likelihood of liability claims down the line. A pollution liability policy may cover the following instances:

• Bodily injury and property damage for sudden and non-sudden pollution incidents resulting in environmental damage.
• Damage to a neighbor or their property due to an over-spray of chemicals.
• Illness to a neighbor due to contaminated groundwater, resulting from fertilizers used on your farm.