Farm insurance
The farmowners policy
A farm is a home and a business on the same land. A farmowners policy is built to insure both without the gaps that come from stretching a homeowners policy.
What it usually includes
- The farmhouse and personal belongings
- Barns, sheds, grain bins, and other farm structures
- Farm personal property such as machinery, feed, and harvested crops
- Livestock against named perils
- Farm liability for the family and the operation
Choosing how property is listed
Farm property can be insured on a blanket basis or item by item. Scheduled coverage lists each tractor or building with its own limit; blanket coverage puts many items under one limit. Each approach has trade-offs in price and flexibility.
Request pricing for farmowners policy.
Frequently asked questions
Is a homeowners policy enough for a small farm?
Usually not once you sell products, keep livestock, or use buildings and equipment for farming. Homeowners policies limit business activity.
Can hobby farms get farm coverage?
Many insurers write hobby or small acreage farm policies; describe your activities honestly.
Does it cover crops in the field?
Growing crops are usually excluded; federal crop insurance addresses that risk.
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