Explore the benefits of farm property insurance
When shopping for insurance for a farm, you want coverage from a company that knows farmers’ unique needs. COUNTRY Financial has been protecting farms for 100 years. Farm insurance protection looks different for everyone, so we offer various policy options for farming insurance, plus additional coverage at an extra cost.
Why do you need farm insurance?
Asset. Business. Your family's legacy. Your farm is all those things and more, and your homeowner's policy alone won't cover it all. You need an insurance policy built for the unique challenges you face, like protection from natural disasters, coverage for your equipment, livestock insurance and more.
Coverage options for farm personal property
This chart gives you a quick overview of how our options compare. Make sure you refer to your farm insurance policy for specific questions or information regarding your coverage.
Coverage |
Standard |
Standard + machinery protection |
Standard + machinery and livestock protection |
|---|---|---|---|
Protects your farm property if it’s damaged during a fire, storm, tornado, etc. This includes coverage for hay, grain, equipment, portable buildings, tools, supplies, livestock and more |
Yes |
Yes |
Yes |
Protects your farm property from things like machinery collisions and overturn, glass breakage and more |
No |
Yes |
Yes |
Protects your livestock from drowning or electrocution, accidental shooting or attacks by dogs or wild animals |
No |
No |
Yes |
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Liability and medical insurance for a farm
You can choose or add these coverage options to protect your farm.
- Medical coverage to help pay bills for visitors injured on your farm property. This is up to $25,000 in medical coverage.
- Liability coverage to help pay legal bills for visitors injured on your farm property or if you damage someone else’s property (for example, if your animals graze on someone’s else's farm). Farm liability coverage limits are up to $1 million.
- Optional liability coverages (for custom farming, in-home businesses, roadside stands, recreational motor vehicles, watercraft, rental dwellings, etc.) for an additional cost
- A farm umbrella insurance policy if you need more than $1 million in coverage
- Separate liability policies for workers comp2, pollution2 or biological and chemical terrorism are available
Protect your buildings and irrigation equipment
You may need to insure selected buildings on your property (for example: garages, pole barns, storage sheds or stables) against specific causes of loss. Farm equipment protection applies to the building and any equipment permanently attached to it. You can select from three levels of coverage.
Standard coverage
Our standard coverage protects your buildings and irrigation equipment from common events, like fire or lightning, wind or hail, and more.
Broad coverage
This coverage includes everything you get in your standard coverage, plus additional protection for things like glass breakage, weight of ice or snow, falling objects, freezing of plumbing and more.
Premier coverage
Our most complete coverage, your policy will only list those direct losses that you aren’t protected against. In addition to what Broad Form covers, you’ll also have coverage for accidents like:
- Building damage from tractor collision
- Damage to grain bin from internal air pressure
- Damage to garage door from freezing
Special farm coverage options
Insure your entire farming operation with us and get our package of special coverages, which provides extra protection for things like:
- Tree and debris removal
- Spoilage of refrigerated products
- Fire department service
- Private power and light pole damage
- Pollution clean-up and removal
You may need more protection for your farm, so we offer several other coverages at an extra cost and discounts to help you balance your needs and keep your budget in check. We can even protect your animals with livestock insurance.
We offer farm insurance in ten states
We have over 300 Farm Certified Representatives specializing in insurance for farm properties of all shapes and sizes—including yours.
Start a farm insurance quote
Find a local rep or call us at 866-COUNTRY (866-268-6879). We'll help you find the farm insurance that works for you.
COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.
1Based on a 2023 survey.
2Not available in all states.
Farm policies issued by COUNTRY Mutual Insurance Company®, Bloomington, IL.
Auto and Home policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Casualty Insurance Company®, or COUNTRY Preferred Insurance Company®. Life insurance policies issued by COUNTRY Life Insurance Company® and COUNTRY Investors Life Assurance Company®.