Farm Insurance
Farm coverage rooted in your priorities
On your farm, you need to ensure that your insurance policy covers plenty of things. That’s where we can help. We understand your unique concerns and the way you do business. Work with an agent to secure your property with a farm insurance plan from Ellington.
Farm insurance policies
If you earn an income off your farm, own farm equipment, have outbuildings and/or animals (large or small livestock), you qualify for and need farm insurance. This coverage is more comprehensive than policies for hobby farms or country estates.
Farm coverage also includes things like storm damage, equipment collisions and more.
Hardworking policies for personal property and farm building insurance
Protect your land, barns, cribs, silos, grain bins (and the product inside them), equipment, and more from:
Lightning
Windstorm
Hail
Explosion
Vehicles damaging buildings or property
Smoke
Vandalism
Theft
Collapse
Falling objects
Weight of ice
Sleet and Snow
Riot
Civil commotion
Aircraft crashes
Vehicle damage
Aircraft damage
Hobby farm insurance
Hobby farm insurance is appropriate coverage if you have minimal acreage and don’t generate revenue from your farm operations. An example of a hobby farm is someone living on five acres with a few chickens and a shed on their property.
Country estate insurance
Country estate insurance is for those who don’t farm or have animals but live on a farm property. These policies include coverage for things like additional structures on your land or your rarely used equipment.
Talk to an independent insurance agent about insurance for your farm
To find the farm liability coverage that’s best for you, talk to a local, independent agent—they look out for your best interest and understand your way of life.
Farm coverage with protection you can trust
Understanding your coverage options
Additional farm coverage includes:
- Collision
- Upset and overturn
- Cab glass
- Debris removal
- Fire department service charge
- Electronic or paper farm account records
- Rented farm machinery
Optional farm insurance for the harder days:
- Extra expense and earnings
- For example, if a barn fire causes your dairy operation to move to a different location, this will cover the extra expenses and loss of earnings.
- Increased fire department service charge
- Combine damage due to ingestion of rocks
- Substitute machinery rental (if your equipment is in the shop and you’re using a substitute until yours is repaired)
- Increased rented farm machinery
- Equipment breakdown coverage
Farm liability insurance that protects against the unexpected
Comprehensive farm personal liability up to $1,000,000. For additional liability coverage, choose an umbrella policy from Ellington.
Our farm policies offer protection from:
Liability for bodily injury or property damage to others
Liability for milk contamination
Liability for pollution while custom farming
Optional farm liability coverage that provides you additional peace of mind
Farm employer liability
Fire legal liability
Cause damage or injury
Horse liability
Incidental business
Additional premises
Personal liability
Household employees
Recreational vehicles
Watercraft
Home-based business
Cover equipment breakdown
Choose equipment breakdown coverage for those mechanical problems not typically covered by homeowners insurance.
