And on that farm, you had insurance!

Farm property:

• Make sure your home, barns, shops, and outbuildings are good to go.
• Protect against risks like fire, storm damage, theft, and vandalism.
• Include coverage for fencing, corrals, and other essential structures.
• Don’t forget liability coverage if visitors or workers are on your land.

Farm equipment:

• Make sure tractors, combines, sprayers, and other machinery are covered for loss or damage.
• Protect against fire, collision, overturning, and theft—whether on your land or in transit.
• Look for breakdown or loss-of-use coverage to help keep your operation running.
• Don’t forget seasonal use—policies can be tailored for how and when you use your gear.

Production:

• Make sure your crops or herds are covered in case of fire or weather events.
• Protect your income with production loss or revenue-based coverage.
• Don’t forget transit coverage if you move crops or animals offsite.

Hobby farms:

• Make sure your home and outbuildings are covered—even if you're not a full-time farmer.
• Protect small-scale livestock, gardens, or equipment from fire, theft, and weather.
• Liability coverage is still important—even if your farm isn’t a business.
• Don’t forget coverage for farmers' markets or small-scale product sales, if applicable.

Beekeeping insurance:

• Make sure your hives, bees, and equipment are covered for fire, theft, and weather loss.
• Protect against loss of income due to hive collapse or environmental damage.
• Check for liability coverage—especially if you sell honey or offer pollination services.
• Don’t forget transit coverage if you move hives seasonally or rent them to orchards.