Farm Insurance

Farm insurance for the land, home and livelihood you rely on

Working on the land is rewarding, but it also comes with risk. Weather, fire, theft, machinery breakdown, livestock loss, liability claims and damage to buildings can all create major disruption.

Safeguard Insurance Brokers helps hobby farmers, family farms and farming businesses across Adelaide and regional South Australia arrange farm insurance that reflects how their property actually operates.

We understand that no two rural properties are the same. A hobby farm near the Adelaide Hills has different needs to a livestock property in the Mid North or a cropping operation on the Yorke Peninsula.

Whether your farm is your home, your business or both, we can help you consider cover for your domestic property, farm assets, equipment, livestock, liability and income protection needs.

What is farm insurance?

Farm insurance is designed to protect the different parts of your farming property and operations. It can combine domestic and commercial-style covers into one insurance program, depending on your situation.

This may include cover for your farmhouse, personal contents, sheds, fencing, machinery, vehicles, tools, livestock, produce, liability and loss of income.

Farm insurance can be tailored for:

• Hobby farms
• Lifestyle properties
• Family farms
• Broadacre farms
• Livestock properties
• Mixed farming operations
• Small rural businesses
• Larger commercial farming operations

Farm Domestic Insurance

For many farmers, the farm is also the family home. Farm Domestic Insurance can cover the home and personal belongings on the property, similar to home and contents insurance, while recognising the unique nature of living on rural land.

This may include cover for:

• Farmhouse buildings
• Domestic contents
• Personal effects
• Legal liability
• Domestic workers compensation, where applicable
• Defined events or accidental damage, depending on the policy selected

Farm Commercial Insurance

For farms that operate as a business, Farm Commercial Insurance can help protect the working assets and income of the farm.

Depending on the farm and insurer, cover may include:

• Farm buildings and structures
• Hay sheds, machinery sheds and storage buildings
• Farm machinery and equipment
• Tractors, utes and farm vehicles
• Livestock
• Fencing and gates
• Produce and farm supplies
• Machinery breakdown
• Public and products liability
• Loss of income following an insured event
• Accident and sickness cover options

Keep the farm moving

On a farm, one damaged shed, broken-down piece of machinery, injured animal or unexpected liability claim can quickly disrupt the day-to-day running of the property.

The benefit of farm insurance is that it can help protect the assets, equipment, buildings and income that keep your farm operating. 

Farm insurance can help you:

• Protect your home and farm assets under a tailored insurance program
• Cover damage to key farm property, buildings and equipment
• Manage the financial impact of machinery breakdown
• Include liability protection for visitors, contractors or third parties
• Consider cover for livestock and produce
• Support business continuity if an insured event interrupts farm operations
• Avoid relying on a standard domestic policy that may not suit rural property risks