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Farm Insurance

Like you, farming is in our heritage. We understand the risks you face to cultivate crops and raise livestock. Your farming business has changed over the years. So has our farm insurance. Our flexible farm policies are customized to fit your farm operation. Plus we’ve added Identity Theft 911® services at no charge to our Farm-Guard® policy. But not everything has changed. You’re still dedicated to the land, and we’re still dedicated to you.


It's all part of our Personal Attention…Peace of Mind.









Farm Property Coverage

Years ago, the barn represented the center and livelihood of a family farm. Farming operations have changed since then, but your investment in farm buildings, property, and livestock continues. That's why we offer farm property insurance. It's called the FarMate® policy because it's flexible to match your needs and provide coverage for the family farm operation, the small hobby farmer, or the large corporate or partnership farming operation. Coverages protect your home and household property as well as your farm buildings and farm personal property.


FarMate Property Coverages

  • Dwelling
  • Household personal property
  • Additional living expense/loss of rents
  • Farm buildings
  • Scheduled and unscheduled farm personal property
  • Optional coverages


Additional Coverages

  • Debris Removal
  • Emergency removal of a property
  • Necessary repairs after a loss
  • Construction of new buildings
  • Fire department charges
  • Farm implements coverage due to building collapse
  • Inland marine
  • Equipment breakdown


Optional Coverages

  • Comprehensive machinery coverage
  • Farm extra expense
  • Glass breakage—farm machinery
  • Leased or rented farm equipment and machinery
  • Loss of farm earnings
  • Outside storage
  • Peak season
  • Pollution clean up and removal
  • Spoilage—Perishable farm personal property
  • Unmanned Aircraft System* (drone) coverage for precision agricultural operations (e.g. monitoring crops and livestock)


Contact your local agent for your farm owner insurance quote today and ask if your farm qualifies for a discount.





Farm Liability Coverage

You like your independence and your freedom. That's why you choose to make your living on the farm.  Forward Mutual admires your choice. That's why we chose to stand beside you, to help protect you and your loved ones from financial exposure.  Our Farm-Guard® policy has been protecting farmers like you for more than 30 years and can be packaged with our FarMate® policy. Farm-Guard is there to protect you should an accident, injuries, or claims of negligence arise as a result of your farming operations.


Farm-Guard Liability Coverage

  • Bodily injury and property damage
  • Public liability
  • Employers' liability
  • Medical payments
  • Pollution coverage


Premium Discounts

  • Owner occupied farm
  • Non-occupied farm
  • Country home discount
  • Livestock exclusion


Optional Coverages

  • Agricultural excavation and tilling
  • Agricultural unmanned aircraft systems
  • Business activities
  • Contractual liability
  • Custom farming
  • Custom feeding
  • Custom manure contractors
  • Horse boarding
  • Hunting and fishing
  • Residential rental property
  • Seed sales


Ask about our identity protection and restoration coverage, available at no charge on home and farm. Contact your agent today to learn more about protecting your farm or get a personalized quote.





Farm Equipment Breakdown

Innovation and a strong work ethic are values that have been passed down through generations of farming families.  They are vital to your farming operation's success. We believe in them too. That's why as farming technology advances, we're offering affordable equipment breakdown coverage with our farm policies. It can pay for equipment repair or replacement, lost business income, perishable goods and related expenses. It's how we protect your investment toward innovation.


Equipment Breakdown Coverage

  • Electrical distribution systems
  • Boilers and pressure vessels
  • Heating, cooling systems
  • Refrigeration systems
  • Business computers
  • Deep well pumps and motors
  • Emergency generators
  • Grain dryers
  • Milking machines
  • Ventilation fans
  • Bulk milk storage tanks
  • Mechanized feed, waste, and egg handling equipment
  • GPS units
  • Heating, air conditioning, hot water heater, and major household appliances within the farm dwelling


For more information about farm equipment breakdown coverage, or to add this coverage to your policy, please contact your local agent.