What a Farm Policy Can Cover

A farm owners package can insure your dwelling and personal property, farm liability for injuries or damages arising from operations, and other structures like barns, machine sheds, and grain bins. You can schedule farm personal property—tractors, combines, tools, and supplies—at agreed values, and add loss of income coverage if a covered loss pauses your work.

Options for Equipment, Livestock & Outbuildings

Black and white illustration of a sheep and a pig grazing in a field.

Ask about blanket or scheduled coverage for machinery, cab glass and tires, and mobile equipment that travels between fields. Add mortality or limited coverage options for livestock, plus endorsements for confinement operations, fencing, corrals, and specialty structures. We’ll tailor limits for pole barns, loafing sheds, and shop buildings—accounting for current materials and rebuild costs.

Liability for Modern Farm Risks

Barn on a farm.

Today’s farms face public-facing and contractual exposures. We’ll address farm premises & operations liability, products/completed operations for goods you sell, and optional protection for agritourism, custom farming, and road exposure from moving equipment. Need higher limits for contracts or markets? Consider a farm umbrella layered above your primary policies.

Vehicles, Trailers & Farm Truck Needs

Black outline of a tractor.

From farm-use pickups to grain trailers, we’ll help place the right coverage for vehicles titled to the farm, along with hired & non-owned liability when you or your crew use other vehicles for business. We can coordinate filings or certificates when buyers, elevators, or lenders need proof.

Answers to Common Farm Questions

  • Can one policy cover my home and farm?

    Yes, a farm owners policy can combine both on one schedule, simplifying renewals and claims.

  • Does insurance cover equipment breakdowns?

    Standard coverage addresses external perils; add breakdown endorsements for certain failures.

  • Do I need extra liability for on-farm events?

    Likely. We can endorse your policy or add coverage tailored to agritourism or retail sales.

  • How do I insure new bins or barns mid-season?

    Tell us as soon as they're operational so we can add them to your schedule and values.

Put a Local Farm Team to Work

We'll visit your operation, inventory assets, and build a policy that fits. The Mitchell Agency keeps paperwork simple so you can focus on the next harvest.