Farm Insurance

A Guide to Farm Insurance

Farm insurance policies cover from machinery and livestock to grain and other additional tools used to maintain a farm. Some farm policies also cover buildings in the farm and provide liability protection. The land on which the farm is is not usually covered by the policies, but, depending on the situation, an insurer right add land coverage to the package.


Farm insurance policies include coverage for some kinds of crops. The most common ones are corn, wheat, soybean, and cotton; of which cotton is the one for which farmers are more likely to get coverage.

Identifying Farm Types

There are two categories in which insurance classifies farms: hobby farm and commercial farm. The difference between these is that, usually, a hobby farm is operated by one person, there are no farm employees, they occupy a relatively small amount of land, and profits don’t exceed a certain amount set by the insurer.

Anyone can obtain insurance for their farm but, insurance for a hobby farm generally costs less than insurance for a commercial farm.

Some benefits like liability coverage and farm equipment coverage are standard for a farm policy because they are both concerns no matter the size of the farm.

Speak to your insurer about what options are best for your farm!

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