Farm Insurance

Farm insurance (often called a farm owner’s policy) is a blend of home and business insurance tailored for farms. It typically covers your farmhouse (if on the farm property), your farm structures like barns, stables, sheds, and silos, your equipment and machinery (tractors, combines, etc.), your livestock (if they are injured or killed by a covered peril), and farm liability (if someone gets hurt on your farm or if your farming operations cause damage/injury off-site). We customize the policy to ensure everything from your crops to your cattle are properly insured.

If you have a hobby farm in Alabama (maybe a few acres, some chickens, goats, or a couple of horses), you should consider at least a basic farm liability policy. Your homeowners insurance generally won’t cover incidents arising from farm activities or outbuildings used for farming. For example, if someone visits your farm and gets injured, or if your horse escapes and causes a car accident, a farm policy’s liability would cover it whereas a standard home policy might not. We can tailor a policy that’s affordable for a small operation.

Standard farm insurance covers harvested produce and stored crops (for instance, grain in a silo) against perils like fire or wind. However, growing crops in the field are not automatically covered – for those, you’d need crop insurance (often provided through federal programs or specialty insurers). If your livelihood depends on your crops, we’ll discuss crop insurance options with you. For many Alabama farmers, crop insurance for threats like drought or tornado damage can be a crucial add-on.

Yes, we can add equipment breakdown or machinery insurance endorsements. Farming equipment is expensive – if a critical tractor or harvester breaks down mid-season due to a mechanical failure, this coverage helps pay for repairs or renting a replacement. It’s not automatically in a farm policy, but we often recommend it given how important equipment is to farm operations.

There can be. If you bundle your farm policy with other policies (like your personal home/auto or an umbrella liability policy), you might save. Some insurers offer special rates for farms that implement certain safety measures or risk management (for example, having a formal farm safety plan, or using fire suppression in barns). As an independent agent, we’ll shop multiple carriers to find any available discounts and the best overall premium for your farm insurance. We understand budgets can be tight in agriculture, so we work to get you the most value.