Farmowners Insurance
Protect your property, your farm equipment, and your business with the company that knows farmers and farm insurance.
Coverage Highlights
Our blanket coverage extends to your farm’s entire inventory, with an option to insure your blanket at 85% of its value. We don’t require you to pay for 100% of the value if you don’t need it.
You don’t want a broken or cracked window when you’re behind the wheel of your farm vehicles. This coverage is available to you with no deductible.
When your equipment stops working, it can be costly. We’ll cover computers, generators, and other covered equipment, and resulting expenses.
If you’re the victim of a hacker or thief, we can help cover the costs of repairing your credit and recovering your identity.
Related Coverages
Business Auto
Coverage for your work vehicle or an entire fleet.
Business Umbrella
Additional coverage when you need to go above and beyond your regular policy.
Inland Marine
If you ship valuable products or equipment over land, this coverage is for you.
Workers' Compensation
Protect yourself and your staff if there's an injury or disability on the job.
Other features include . . .
Additional Operating Expense
Sometimes a claim can result in unexpected additional expenses; this optional coverage can help you manage those.
Automatic Coverage for Newly Constructed Outbuildings
Barns, sheds, and other structures you’ve added to your property in the last year are included in your coverage. The coverage limit is $50,000.
Farm Business Income and Extra Expense
This optional coverage applies to income you lose while your farm business is shut down because you’re restoring your property. This coverage also applies to added expenses that are a result of your claim.
Loss of Income
If you can’t earn income because your covered building is being rebuilt after suffering damage, we’ll help cover your lost income with this optional coverage.
New, Leased, Borrowed Farm Machinery
Farm equipment is covered if it’s damaged or a loss. The limit is $100,000 for the first 30 days after purchase, lease, or borrowing.
Replacement Cost for Outbuildings
This optional coverage helps pay to replace damaged or destroyed buildings on your property, other than your main residence.
Special Coverage for Mobile Farm Machinery
This optional coverage is commonly known as “Rock in the Combine” coverage. It broadens the number of situations your specified machinery is covered against.
Standing Grain Covered for Fire and Lightning
Grain covered by your policy that has not been harvested is protected if it catches on fire or is struck by lightning.
Sudden and Accidental Pollution
Accidents happen. If an unexpected discharge affects someone else’s property, we’ll cover the costs up to $25,000. Higher limits are also available.
Get a quote now!
Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.
Find an Agent
Add-on Coverages
Customize your Farmowners insurance policy with these optional add-on coverages.
Farm and Garden Winter Prep (video)
The information on this page is made available for educational purposes only. The information referred to is not an official company statement, corporate policy, or offer of coverage. Refer to your insurance policy for specific coverage. There is no representation as to the accuracy or completeness of any information found by following any link on this site. Please contact your local independent insurance agent with further questions and for more details on any insurance policy-related information you read here.
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
Monday-Friday
8:00 a.m. - 4:30 p.m. (EST)
(800) 442-8277
