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farmer loading grain in gravity wagon
 

Farmowners Insurance

There's nothing like living and working on a farm, and there's nothing like comprehensive Farmowners insurance coverage from Hastings Mutual. Protect your property, your equipment, and your business with the company that knows how much you contribute to your community.

 

Coverage Highlights

 Personal Property

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.

 Glass Breakage

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.

 Equipment Breakdown

When your equipment stops working, it can be costly. We’ll cover computers, generators, and other covered equipment, and resulting expenses.

 Identity Protection

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


Commercial Auto Icon
Business Auto

Coverage for your work vehicle or an entire fleet.

Commercial Umbrella icon - umbrella with brief case
Business Umbrella

Additional coverage when you need to go above and beyond your regular policy.

Inland Marine Icon
Inland Marine

If you ship valuable products or equipment over land, this coverage is for you.

Workers' Compensation icon
Workers' Compensation

Protect yourself and your staff if there's an injury or disability on the job.

 

Other Farmowners Comprehensive 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 

 
 
 

Farm and Garden Winter Prep (video)

Nov 14, 2018, 16:05 PM by Bradley Williams
The best ways to prepare your land before the snowfall.

Video Transcript
 

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

Insurance Journal Super Regional P/C Insurer
Standing the Test of Time
CIO 100 Winner

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