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Farm Insurance in Pennsylvania

Your farm is your livelihood and your home at the same time. Standard homeowners and business policies don’t cover that combination. Farm insurance is built specifically to protect your land, buildings, livestock, equipment, and income, all in one place.
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What farm insurance covers and why it matters

A farm is not a house, and it’s not a business in the traditional sense either. It’s both. That’s why neither a homeowners policy nor a standard commercial policy is built to cover it properly. Farm insurance is a specialized policy designed for exactly this situation.

It covers the farmhouse and outbuildings, your equipment and machinery, your livestock, your crops, and your personal liability if someone is injured on your property. Whether you’re running a working farm, a hobby farm, or a rural property with agricultural activity, the right farm policy brings all of that under one roof.

  • Farmhouse and attached structures, covered like a home
  • Barns, silos, fencing, and farm outbuildings
  • Farm machinery, tractors, and equipment
  • Livestock and poultry
  • Farm liability if a visitor, worker, or neighbor is injured
  • Loss of farm income after a covered event
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Coverage types most contractors need

We’ll help you figure out which combination fits your trade and how you work.

Farmhouse and Dwellings

Covers the main farmhouse and any additional dwellings on the property, similar to a homeowners policy but built for farm use.

Farm Structures

Covers barns, silos, stables, sheds, grain bins, fencing, and other farm buildings against fire, storm, and other covered events.

Farm Equipment and Machinery

Covers tractors, combines, plows, and other machinery. Most standard auto or business policies won't cover farm equipment.

Livestock Coverage

Covers cattle, horses, hogs, poultry, and other livestock against death from covered causes including fire and certain accidents.

Crops and Stored Grain

Covers harvested crops in storage or in transit. Separate federal crop insurance programs exist for standing crops, which we can help you navigate.

Farm Liability

Protects you if a visitor, worker, or neighbor is injured on your property or if your farming operations cause damage to someone else's property.

What standard policies miss on a farm

Most farms are underinsured because the owner assumed their homeowners or business policy had them covered. It usually doesn’t.
What you have on your farm
Why you need farm insurance specifically
Barn, silos, and outbuildings
A homeowners policy typically covers only the main dwelling and attached structures. Separate farm buildings are usually excluded unless you have a farm policy.
Tractor and farm equipment
Farm machinery is not a car and not a business vehicle. Standard auto and commercial auto policies don't cover it. Farm equipment coverage is a distinct category.
Livestock
Livestock is property, not a pet. Homeowners policies exclude it entirely. You need a farm policy with an animal schedule that covers your herd or flock.
Selling produce or goods from your property
The moment you sell anything from your farm, you have commercial activity. A homeowners policy won't cover liability related to products you sell.
Farm employees or seasonal workers
Pennsylvania requires workers compensation for farm employees. Farm liability alone won't cover an employee injury on the job.
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faqs

Farm insurance questions answered

Farm insurance is a specialized policy that combines homeowners-style coverage for your farmhouse with commercial coverage for your buildings, equipment, livestock, and farm liability. It's designed specifically for properties that are both a home and a working operation, something a standard homeowners or business policy isn't built to handle.
In most cases, no. A standard homeowners policy covers the main dwelling and personal property, but it typically excludes barns, farm equipment, livestock, and any commercial activity on the property. If you have any agricultural activity at your property, a farm policy is almost certainly what you actually need. We can review your current policy and tell you exactly where the gaps are.
Yes. Even small hobby farms with a few animals, a garden for sale, or agritourism activity have exposures that a homeowners policy won't cover. Farm liability alone is worth having if you have any visitors on your property related to your farming activities. We'll help you figure out the right level of coverage for what you actually have.
Yes, most farm policies include the option to schedule your livestock for coverage against death from covered causes like fire, lightning, and certain accidents. The coverage and limits vary by carrier and animal type. We'll make sure your herd or flock is listed correctly so there are no surprises at claim time.
Yes. Pennsylvania requires workers compensation for agricultural employers who meet certain payroll thresholds. If you have regular or seasonal farm workers, you likely need it. We handle workers comp for farm operations and can confirm exactly what applies to your situation.

We've been protecting Pennsylvania farms since 1961.

Call us, stop by, or get a quote online. We’ll review your current coverage, tell you exactly where the gaps are, and compare 19+ carriers to find you the right farm policy.

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