If it’s a hobby that’s not covered by your homeowner’s insurance, if you don’t have homeowner’s insurance or if your farming activities are a small side business, you might need umbrella insurance, liability insurance or another option below. If your farm is a legitimate business, then yes, of course you need farm insurance-possibly several kinds. In investigating farm insurance, start by talking with your homeowner’s insurance agent to find out what’s covered. The reality is that farming is a dangerous activity, and farmers have dangerous equipment and animals that are not always within their control.įor some hobby farms, a homeowner’s insurance policy will cover farming activities, but this is not always the case. If your farm is simply a hobby and you don’t receive income from farm activities, you might think you’re exempt from needing farm insurance. This all sounds terrifying, but this article is not meant to scare you into getting insurance, rather to explain to you the farm-insurance-coverage options that you have available. People can find reasons more tame than these to object to your farm activities and sue you for all you have. Likewise, food causes illnesses, horses cause injuries and farm chemicals cause water issues.Įach of these scenarios are begging for farm insurance. Think that story is far-fetched? It’s not: Livestock cause accidents. His car is totaled, and his insurance company wants you to pay for it. There’s a collision, your steer has to be euthanized, but the driver of the car is OK. It’s a dark and stormy night-as all good horror stories begin-and the driver of a car speeding down your road doesn’t see that your fence has been knocked down by a tree and your black Angus steer found its way into the road.

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