1
Tell us about your farm
Answer a few questions about your property and what you need covered.
What kind of farm insurance are you looking for?
The cover you need will depend on your property, what you do on the farm and what you need insured.
Why farm insurance is different
Farm insurance is designed around the specific risks that come with owning or running a farm.
The type of farm matters. A lifestyle block, mixed farm and vineyard can have very different insurance needs.
The size of the farm can matter too. A small hobby farm may need very different cover from a large commercial operation.
Some farm risks, such as crop cover, spoilage or agistment-related risks, may only be available from certain providers.
What you'll need to get a quote
Having a few details ready can make the quote process easier.
- Property location, hectares and what the land is mainly used for.
- Replacement values for major buildings, sheds, yards and fencing.
- A list of machinery, including tractors, tools and attachments.
- Details of any livestock, crops or produce you want covered.
- Recent claims history and any known flood, fire or storm exposure.
- Your current policy or renewal details if you already have cover.
How Specialist Compare works
2
Review your results
See the providers that match your answers.
3
Choose who to contact
Review your options and decide which provider you want to approach.
What affects the cost of farm insurance?
The cost of farm insurance can depend on what you're insuring, how the farm is used and where it's located.
Location and weather
Flood, bushfire, hail and storm risk can vary depending on where your farm is located.
Farm type
The type of farm and how it operates can affect the cost of cover.
Buildings and their value
The number and value of homes, sheds, workshops and other buildings can affect your premium.
Machinery and equipment
The amount and value of machinery and equipment you want covered can affect the cost.
How the farm is used
Employees, visitors, farm-gate sales and agistment can change the type and amount of cover you need.
Claims history and excess
Your claims history and the excess you choose can affect the price of your insurance.
What is farm insurance?
Farm insurance is designed to cover the different risks that come with owning or running a farm. Depending on the policy, this can include buildings, machinery, livestock, farm produce and liability. Separate crop cover may be needed for standing crops or loss of yield.
What farm insurance can cover
Cover varies by provider and policy, but farm insurance can include:
Farm house
The main home and other accommodation on the property.
Farm buildings
Sheds, barns and other structures.
Machinery
Tractors, machinery and other equipment.
Livestock
Cattle, sheep, horses and other livestock.
Farm produce
Hay, grain and other farm produce, depending on the policy.
Liability
Public and product liability cover.
Helpful guides
How much does farm insurance cost in Australia?There isn't one standard price for farm insurance. Here are the main things to know:Hobby farm insurance vs home insurance: what's the difference?Living on acreage doesn't automatically mean you need farm insurance. Here's what matters:Farm machinery insurance: what does it cover?Farm machinery can be covered in different ways. Here are the main things to know:What isn't covered by farm insurance?Farm insurance doesn't cover everything. Here are the main things to know:
Farm insurance FAQs
Why use a specialist farm broker instead of going direct?
A specialist farm broker can help you understand your options and approach insurers that work with farms like yours. This can be useful when your property, business or cover needs are more complex.
Can I get farm insurance for a hobby farm or lifestyle block?
Yes. Some providers offer insurance for hobby farms, small acreages and lifestyle blocks. The options available can depend on the size of the property, how it's used and what you need covered.
Does farm insurance cover my house and vehicles too?
It can. Some farm insurance policies can include the home, vehicles and other farm assets, while others may require separate cover. Check what's included with the provider before you buy.
Do I need farm insurance for a small property?
It depends on how the property is used and what you need insured. A small working farm, hobby farm and lifestyle property can have different insurance needs.