Flexible coverage options for your farm.
What can be covered?
Our farm insurance policy can be designed to protect your multiple farm assets, including liability protection and coverage essential for your farming operations. This policy provides the flexibility to pay for only the specified protection you need.
Discounts
We love insurance. And we love helping you save on that insurance with our discounts!
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Receive a 10% discount on your crop hail insurance policy if you have an active farm insurance policy with us.
Use of certain impact resistant roofing products may qualify you for policy premium discounts.
Receive a discount if you protect your home with qualifying safety devices and services.
Endorsements
Specialized endorsements provide options for customizing your policy to fit your specific needs. The Rural Guardian Select endorsement offers new coverages for emerging trends in the agriculture industry and packages our most popular optional coverages at a lower cost than if purchased individually. Looking for more options? We offer many more optional endorsements for your farm program.
Expands coverage beyond the 200 acres provided under the Rural Guardian base policy. Covers custom, for-hire spraying operations for others. Provides coverage for owners and operators of Unmanned Aerial Systems (UAS) when used as part of the farming operation. Provides increased farm personal property coverage during times selected by client. 
Coverage for animals (including cattle, hogs, horses, sheep and goats) while participating in a 4-H project. Coverage for death by suffocation, freezing, hypothermia or heat of owned hogs and calves in confinement. Coverage for cattle and hogs custom-fed by contracted producer, options to include or exclude suffocation and mismedication. Coverage for losses due to milk contamination, as well as milk leakage that occurs on the farm. 
Expands farm machinery limits and coverage above base policy limits. Provides coverage for direct physical loss for farm electronic equipment, the installation and activation expenses of newly replaced equipment. Provides coverage for equipment used with residence or farming operations for loss caused by: mechanical or electrical breakdown, rupture, bursting, bulging, implosion or steam explosion. Provides coverage for the owners and operators of the multi-terrain vehicles (such as ATV, UTV) used for personal use or in farming operations. 
Provides both liability and property coverage options for agribusiness activities including: Christmas tree sales, hay rides, hunting leases, petting zoos, seed sales, farm tours and many others. Coverage available for farm personal property and motor truck cargo. Expands coverage to include damage from falling objects, weight of snow or ice, accidental discharge or overflow of water or stream and other hazards. If a covered structure becomes unusable due to damage from a covered hazard, some lost income can be recovered. Protection for additional expenses accumulated while returning to normal operations after a covered loss. 
Whether you have a small farm or a large operation, a team of specialists will have a conversation with you to get to know your farm.
During this conversation, we'll help you determine which coverage options meet your needs and identify qualifying discounts.
Once we help you identify your needs, we will help you create a customized farm insurance program.
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