Farm Insurance

At Hastings Mutual Insurance Company we know farm insurance.  Hastings Mutual has specialized in insuring farms since 1885. From small hobby farms to large operations, we have the innovative coverages to protect your farming needs. Our independent agency partners can work with you to develop a comprehensive Farmowners policy that covers your residence, personal property, barns and outbuildings, farm personal property, liability, and more. You can count on Hastings Mutual to provide top quality insurance to protect your farm.  In addition to our farmowners package, check out the additional products and features below that are tailored to meet your specific risks as a farm owner. 


Farmowners Equipment Breakdown

All farms rely heavily on equipment that is continually exposed to harsh environments and working conditions.  When equipment fails due to mechanical breakdown or external influences, farmers not only incur the costs of fixing affected equipment, but can also suffer severely due to business interruption and loss of production.  Our Farmowners Equipment Breakdown coverage is included at no additional cost, and provides a level of protection to minimize your risk of physical and financial loss.

Coverage Includes

  • Physical damage sustained by covered equipment
  • Business interruption due to equipment breakdown
  • Lost value of spoilage due to equipment breakdown
  • Mechanical breakdown
  • Shorted electrical circuits
  • Overheating, cracking or bulging of a boiler or other pressure vessel
  • Centrifugal force
  • Ammonia contamination due to equipment breakdown
 Covered Equipment Includes
  • Air conditioning units
  • Boilers
  • Communication systems
  • Compressors
  • Computers
  • Electrical distribution systems
  • Electrical equipment
  • Emergency generators
  • Engines
  • Fans
  • Fired/unfired vessels
  • Generators
  • Heating and cooling systems
  • Mechanical equipment
  • Motors
  • Pressure vessels
  • Process machinery
  • Pumps
  • Refrigeration units
  • Service interruption
  • Stationary farm machinery
  • Switchboards
  • Transformers
  • Vacuum systems