Farm & Ranch Insurance

What is farm and ranch insurance?

What is farm and ranch insurance?

Any agricultural operation requires significant investment, and farming exposes that investment of money, time and labor to risks. Purchasing farm and ranch insurance can help Maine farmers mitigate many of the risks they face.

Farm and ranch insurance is designed to protect the assets and operations of agricultural businesses. Policies may protect everything from livestock and crops, to buildings and equipment.

Who in Maine needs farm insurance?

Who in Maine needs farm insurance?


Farm insurance is well-suited for many agricultural businesses in Maine. Crop farmers, blueberry farms, orchards, vineyards, horse breeders, agritourism businesses and homesteaders may want a policy. There are still many other businesses in the industry that may get one, too.


What types of coverage options are available through farm insurance policies?

Farm insurance policies offer a wide range of coverage options to address the unique risks associated with agricultural operations. These options typically fall into three categories: farm equipment insurance, farm liability insurance and personal coverages.

Farm equipment insurance protects assets that a Maine farm owns, not including a personal residence or personal possessions.

Loss of Business Income Coverage

Loss of Business Income Coverage

Might protect against extended income loss following a disaster.

Commercial Vehicle Coverage

Commercial Vehicle Coverage

Might protect ranch-owned pickups, flatbeds, box trucks, livestock and equipment trailers.

Ranch Content Coverage

Ranch Content Coverage

Might protect tools, machinery, livestock, animal feed, and other equipment and supplies.

Barn & Outbuilding Coverage

Barn & Outbuilding Coverage

Might protect barns, stables, sheds, and similar non-resident buildings

Livestock Coverage

Livestock Coverage

Might protect individual livestock or entire herds in the event of catastrophic death due to specific reasons.

Equipment Breakdown Coverage

Equipment Breakdown Coverage

Might protect against sudden breakdowns of essential machinery such as tractors.

Farm liability insurance covers normally insure against lawsuits that a farm could be named in.

Some common liability protections are:

  • General Liability Coverage: Might protect against common accidents that occur on a farm's property.
  • Product Liability Coverage: Might protect consumer goods produced on-site at a farm should they cause injury, death or damage.
  • Commercial Umbrella Liability Coverage: Might protect tools, machinery, livestock, animal feed, and other equipment and supplies.

Personal insurance normally protects family items rather than farm ones. Two common personal coverages that farmers frequently get are:

  • Household Dwelling Coverage: Might protect a farmhouse or similar residence located on the farm.
  • Household Personal Property Coverage: Might protect household possessions, potentially including items such as clothing, kitchenware, furniture, etc.

An insurance agent who specializes in these policies can help farmers review all of their coverage options.

Which farm equipment can be insured with farm equipment insurance?

Which farm equipment can be insured with farm equipment insurance?

Farm equipment insurance is available for a variety of agricultural equipment. A policy may cover tractors, combines, planters, tillers, mowers, grain bins, irrigation equipment, and other machinery. 

Vehicles that are driven on public roads (e.g. trucks) typically need commercial auto coverage, and not farm equipment coverage. Both can usually be included in a farm policy.

How much do farm policies cost?

Farm policies vary in price, as their premiums are based on numerous factors. A business’s size and location, the types and quantities of livestock and crops, the value and type of machinery and equipment used, and the specific coverages chosen all impact cost. 

To get an accurate estimate, farmers should talk with an independent insurance agent. Independent agents can compare quotes from multiple insurance providers, and thus easily see how much insuring a particular farm would cost.

How can farmers get farm and ranch insurance in Maine?

Securing farm and ranch insurance in Maine is made easy with the help of our experienced team at Darling's Insurance Agency. Our independent agents are ready to assist you in identifying the coverages that your farm needs, and then finding a good farm insurance policy that meets those needs well.



Get in touch! Contact us today for questions or insurance quotes!

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