Farmowners Insurance

Farmowners Insurance Policy Coverage

A Farmowners policy is comprehensive farmer insurance which includes both standard insurance coverage and optional insurance coverage for the farm house, farm buildings. farm personal property, and liability insurance.

Farm Buildings

Unlike Homeowners policies which assign a percentage of the dwelling coverage to other structures, a Farmowners insurance policy covers only those outbuildings which are specifically described and valued. Among the structures typically covered under this section of the policy are:

  • Barns
  • Silos
  • Livestock Schedules
  • Sheds
  • Equipment Schedules
  • Garages
  • Additional Dwellings
Farm Personal Property

Farm Personal Property may include:

  • Tractors
  • Feed Computers
  • Hay
  • Seed
  • Fertilizer
  • Pumps
  • Tools
  • Miscellaneous Equipment
Farmers Comprehensive Personal Liability / Both Owned & Leased Premises

A number of additional liability endorsements are available to protect you against special situations or conditions which may apply to your farm operation including horse liability.

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Announcement Regarding Covid-19 Emergency

To our valued customers:

Governor Cuomo has announced emergency measures giving New York residents and New York small businesses experiencing financial hardship due to COVID-19 a grace period of 60 days to defer payments for various kinds of insurance including auto, homeowners, renters, workers compensation and business policies. (Note: the deferral is 90 days for life insurance payments.)

The grace period applies to (i) individuals and (ii) small businesses with less than 100 employees, who have been hurt by the current emergency. If you have premium due in the next 60-90 days that you are unable to pay right now because of the COVID 19 emergency, please contact your insurance company and ask about alternative payment arrangements.
As an essential business, we are still working and are standing by, ready to help you with all your insurance needs.

Below is a link to the NYSDFS announcement if you would like more information.