Farm Insurance helps protect your livelihood. Running a farm comes with unique risks. Weather, machinery breakdowns, animal illness, and liability issues can threaten your income and assets. A well-rounded farm insurance policy keeps you protected and helps your business recover quickly after a loss.

Here are the most important types of coverage you should consider:

Farm Property Insurance

Farm property insurance covers the physical assets on your farm. This includes:

  • Barns, silos, and sheds

  • Homes on the property

  • Machinery and tools

  • Fencing and irrigation systems

  • Livestock shelters

It protects against risks like fire, storms, lightning, theft, and vandalism. If your property is damaged, this policy pays to repair or replace it. Some policies also cover debris removal and rebuilding costs after a major loss.

Crop Insurance

Your crops are the backbone of your farm. A drought, flood, freeze, or pest infestation can destroy them in a matter of days. Crop insurance helps you recover financially after a loss.

There are two main types:

  • Yield-based coverage: Pays when your crop yield falls below the expected average.

  • Revenue-based coverage: Pays when your revenue drops due to lower yields or market prices.

Crop insurance is often backed by government programs but can also be purchased through private insurers.

Livestock Insurance

Animals are valuable assets. Livestock insurance protects you if your animals are injured, lost, or die due to covered events. These may include:

  • Fire or natural disasters

  • Accidents in transit

  • Theft

  • Attacks by wild animals

  • Disease outbreaks (in some policies)

You can insure animals individually or as a group. Coverage amounts vary based on the type, breed, and value of your livestock.

Liability Insurance

Farms are active places, and accidents can happen. Liability insurance protects you if someone is injured on your property or if your farming operations cause property damage.

This includes:

  • General liability: Covers visitors or workers who slip, fall, or are hurt on your land.

  • Product liability: Covers claims from consumers if your farm products cause illness or injury.

  • Pollution liability: Covers accidental spills or runoff that harms neighboring land or water sources.

If a lawsuit arises, this insurance helps cover legal fees, settlements, and judgments.

Farm Machinery and Equipment Insurance

Farm work depends on reliable equipment. Tractors, combines, and irrigation systems are expensive and essential. If they break down, are stolen, or damaged, your operations could come to a halt.

This insurance helps pay to repair or replace:

  • Tractors

  • Plows and seeders

  • Sprayers

  • Irrigation pumps

  • Generators

Some policies even cover rented or borrowed machinery.

Additional Coverage Options

Depending on your farm’s size and activities, you might also need:

  • Farm auto insurance for trucks, trailers, and utility vehicles used in your operations

  • Workers’ compensation if you employ seasonal or full-time labor

  • Business interruption insurance to cover income loss after a covered event

  • Home insurance endorsements if you live on the farm and use your home for business activities

Why Farm Insurance Matters

Farming is rewarding but unpredictable. Equipment breaks. Crops fail. Accidents happen. Without the right coverage, one event could wipe out your season—or your entire operation.

Farm insurance gives you peace of mind. It helps you recover quickly and keep your business running, even after a major loss.

Let’s Keep Your Farm Secure

Every farm is different. Your insurance should reflect that. Whether you run a small family farm or a large-scale agricultural operation, we’ll help you find the right policy.

Call Combined Insurance Service LLC at 816-847-1911 today. We’re here to protect your land, your work, and your future.

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