Farm insurance

Farms and ranches come in all shapes and sizes. Even if you have a rural home with acreage, a few farm animals, and a tractor, you may need the extended coverage of a farm policy.

While small farms and ranches obviously need farm and ranch insurance, so do wholesale nurseries, orchards, vineyards, and wineries.

Liberty Mutual gives you the option to tailor your coverages to your unique risk profile. If you don't see your farm type listed above, don't assume we won't cover it. Reach out to an independent agent to explore your options.

Farm insurance may exclude liability coverage for certain types of accidents, such as bodily injury to a family member. It may also exclude some types of farming and non-farming risks and activities. While spraying or harvesting your own farm would be covered, the same activities may not be covered if done for a neighbor as custom farming. That said, you can often add coverage for risks excluded in a core policy through an optional policy endorsement.

Vehicles like pickups, grain trucks, and livestock trailers are also not typically covered on a farm insurance policy. You'll need a commercial auto policy to cover these vehicle types.

We recommend consulting an independent agent to understand what a farm policy will cover.

The cost of small farm insurance varies considerably, depending on the unique risks involved. Factors affecting your premium may include

• The type of farm
• The location and size of the farm
• Activities that take place and how you operate the farm
• Sheds, barns, shops, greenhouses and other outbuildings needing coverage
• Farm machinery, tools, and equipment needing coverage, including ATVs and UTVs

Request a commercial farm insurance quote through an independent agent to get a better idea of the cost, keeping in mind that the best farm insurance isn't necessarily the cheapest.