Insurance for Farm Equipment

insurance for farm equipment blog image 2025 (1)

As a farmer, you depend on your equipment to keep things running smoothly. But when something breaks down, repairs can be expensive and cause delays, interrupting work and affecting your productivity. Therefore, it is important that you keep your farm equipment protected.

What is farm equipment insurance?

Insurance for farm equipment is a specialized type of coverage that protects machinery, equipment and tools used on the farm. It provides protection when you experience an accident, theft, vandalism, or natural disaster damage to your equipment. Farm equipment insurance typically covers combines, tractors, planters, irrigation equipment, sprayers, plows, tools, and supplies.

What risks are covered by farm equipment insurance?

Here is what is commonly included:

  • Accidental damage: Covers the cost of repairing or the replacement of equipment if it is damaged due to an accident.
  • Theft and vandalism: Provides coverage if your equipment is stolen or intentionally damaged. This can be essential for high-value equipment.
  • Natural disasters: Protects equipment against damage caused by fire, hail, wind, tornadoes, and other weather-related events.

Does it cover second-hand equipment?

Yes, farm equipment insurance can cover second-hand equipment. However, the process and conditions may vary slightly. For example, unlike new equipment, which is insured at the purchase price, second-hand equipment is typically insured at its current market value or actual cash value. Therefore, insuring second-hand equipment can often be more affordable due to its lower market value.

Let’s talk

A protected farm is a productive farm. Contact one of our experienced Avery Hall agents today for a free farm insurance consultation at 410-742-5111.


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.