Farm insurance
Farm equipment and machinery
Farm machinery is often a family's largest investment after land, and it moves between fields, roads, and neighbors' places.
Common losses
- Combine fires during harvest
- Theft of tools, GPS units, and fuel
- Rollover or upset
- Lightning and wind damage to pivots
- Collision while moving equipment on roads
Coverage questions
- Replacement cost or actual cash value?
- Are GPS and precision ag components covered?
- Is equipment covered while custom hiring for others?
Request pricing for farm equipment.
Frequently asked questions
Is a tractor on the road covered?
Often under farm property for damage; liability on public roads may involve auto or farm liability rules.
Are borrowed or rented implements covered?
Equipment you rent or borrow may need to be added.
What about irrigation pivots?
Pivots and pumps can be scheduled; wind and lightning are common causes of loss.
More coverage and guides
- The farmowners policy
- Farm liability
- Farm equipment and machinery
- Barns and outbuildings
- Livestock coverage
- Farm trucks and vehicles
- A farm year, season by season
- Agritourism and farm stands
- Crop insurance basics
- What affects farm insurance cost
- Farm application checklist
Last updated October 15, 2026 · How we research