Farm Insurance for New Farmers

insurance for new farmers blog image 2025 (1)

Starting a new farm can be an exciting and rewarding venture, but it also comes with its share of risks. You’re at the mercy of the weather, the health of your animals, and much more. If something goes wrong, the financial consequences can be devastating. This is where farm insurance can step in to help.

What does farm insurance cover?

One of the most common questions new farmers have is what farm insurance covers. Here is a breakdown of what farm insurance typically covers:

  • Property coverage: This can include coverage for your barns, outbuildings, fences, and more. It essentially protects your physical assets.
  • Liability coverage: Protects you if someone is injured on your farm or if you accidentally cause damage to someone else’s property. It can include coverage for legal fees and medical costs.
  • Livestock coverage: Protects your animals in case of accidents, natural disasters, or theft.
  • Equipment coverage protects the machinery and tools you use on your farm. It provides protection when an accident, theft, or natural disaster damages your equipment.

How much does farm insurance cost?

The cost of farm insurance can vary significantly based on multiple factors. For instance, the type of livestock, farm vehicles, and equipment you have can all influence premiums. If you offer any farm activities such as petting zoos or hayrides, you could need more coverage. You may also qualify for discounts for safety measures, bundling, or having a claims free history.

Why do you need farm insurance?

For new farmers, farm insurance is an essential investment. It provides financial coverage for unexpected events, such as damage to equipment, livestock, or buildings. This helps to cover the costs of repairs or replacements and reduces the financial strain on your farm. Most importantly, it provides peace of mind, allowing you to focus on growing your farm without the constant worry of unforeseen setbacks.

Let’s talk

As a new farmer, you are sowing the seeds for your future—now it is the time to cultivate the right coverage to protect your growing investment. Call 410-742-5111 to speak with one of our experienced Avery Hall agents today for a free consultation.


How Can Avery Hall Help You?
Thank you for your request! We'll be in touch soon.

Please enter your first name.

Please enter your last name.

Please enter your email address.

Please enter your phone number.

Please enter your city.

Please enter your state.

Please let us know what your question is.