Farm Insurance

Farm insurance, often referred to as “farmer insurance” or “farmer’s insurance,” is a specialized policy designed to protect both your personal and business assets on a farm. Unlike regular homeowners insurance, this insurance covers not only your dwelling but also structures, equipment, livestock, and crops. It typically includes liability coverage for farm operations, which is crucial for farms that welcome visitors or sell products. The exact coverage can vary, so it’s best to get a crop insurance quote from UCCU to understand how much crop insurance you need. Our agents, familiar with all types of insurance near you, can help tailor a policy that protects your entire agricultural operation.

The cost of this type of insurance can vary widely depending on several factors. These include the size and type of your farm, the value of your buildings and equipment, the kinds of crops or livestock you raise, and your coverage limits. Location also plays a role, as farms in areas prone to certain natural disasters may have higher premiums. On average, farm protection can range from a few hundred to several thousand dollars annually. To get an accurate estimate, it’s best to request an insurance quote from UCCU. We can help you find the right balance of coverage and cost, ensuring your farm is adequately protected without breaking the bank.

Yes, even small hobby farms benefit from specialized farm insurance. While your homeowners policy may offer some protection, it likely won’t cover farm-specific risks. Hobby farm insurance, can protect your farm buildings, equipment, and any livestock or crops you may have. It also provides liability coverage if someone is injured on your property due to farm activities. At UCCU, we offer insurance options that can be tailored to hobby farmers of all sizes.

Yes, crop insurance is an essential component of comprehensive farm insurance. It helps protect farmers against loss of crops due to natural disasters such as drought, flood, hail, insects, or disease. There are two main types of crop insurance: yield protection, which covers losses in crop yield, and revenue protection, which covers losses in crop yield or price. The cost and availability of crop insurance can vary depending on the type of crop and your location.