Farm Insurance

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Farm coverage for Willamette Valley operations.

Nursery and greenhouse stock, grass seed, hazelnuts, row crops, livestock and the equipment that works them. A farm is a home and a business on the same ground, and the policy has to treat it that way.

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The Basics

A homeowners policy will not cover a working farm.

This is the gap we find most often. A standard homeowners policy covers the house and maybe a detached garage. It does not cover barns, equipment sheds, tractors, livestock, stored crop, or liability arising from farming operations. When a claim comes in, that distinction is expensive.

A farm policy combines dwelling, outbuildings, equipment, livestock and farm liability into one program, and it can be structured for a hobby operation or a full commercial one.

  • Dwelling and farm structures on one policy
  • Scheduled and unscheduled farm equipment
  • Farm liability, including custom work for neighbors
  • Seasonal and H-2A labor considerations

Operations We Write

  • • Nursery and greenhouse
  • • Grass seed and row crop
  • • Orchards, vineyards and hazelnuts
  • • Livestock and dairy
  • • Hobby farms and acreage
What’s Included

Core protections in a farm policy

Farm Dwelling

The house itself, written to replacement cost alongside the rest of the operation.

Barns & Outbuildings

Shops, equipment sheds, greenhouses, grain storage and pole barns.

Farm Equipment

Tractors, implements, harvesters and irrigation, scheduled or blanket.

Livestock

Coverage for herd loss from covered perils, including transit in some programs.

Farm Liability

Injury or damage arising from your farming operations, including visitors on the property.

Stored Product

Harvested crop, seed, feed and inventory held on site before it moves.

Common Questions

Farm Insurance FAQs

I only farm a few acres. Do I need a farm policy?
Probably, if you sell anything or keep equipment and livestock. Homeowners policies exclude farming exposure, and insurers apply that exclusion more often than people expect. A hobby farm endorsement or small farm policy usually costs less than people assume.
Does farm insurance cover crop loss?
Growing crops in the field are generally handled through federal crop insurance, which is a separate program. A farm policy typically covers harvested and stored product, not the standing crop.
What about employees and seasonal labor?
Farm employees generally need workers compensation. Seasonal and H-2A labor adds housing and transportation exposures worth reviewing before harvest rather than during it.
Do you cover custom work I do for neighbors?
It needs to be disclosed. Custom farming for hire is a commercial exposure and is often excluded unless the policy is written to include it.

Let’s look at your operation.

Silverton-based advisors who understand Willamette Valley agriculture.

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