Farm Insurance
Protecting Your Operation,
Property & Equipment
A Complete Package for Buildings, Equipment, and Liability
Farms are more than land-they're a way of life with businesses, homes, outbuildings, machinery, and liability risks unique to the region. Farm insurance combines home, farm structures, equipment, and liability into a single policy built for your operations. Gateway Insurance brings together farm, personal, and business coverage with advice from local agents who understand the farming risks you face.
Farm & Ranch Policy Coverage Map
Farm Property Coverage
Protects your home, barns, shops, grain bins, machine sheds, and outbuildings from fire, wind/hail, vandalism, and more.
Farm Equipment Insurance
Covers tractors, combines, implements, and machinery-on the farm or in transit between fields.
Farm Liability and umbrella Insurance
Coverage for injuries, property damage, or legal claims tied to your farm operations (e.g., guest accidents, chemical drift, livestock escape if applicable). Plus additional liability coverage if you exceed your farm liability limits
Farm Personal Property
Coverage to protects tools, feed, seed, and supplies (scheduled or blanket coverage).
FARM Optional Endorsements
Add coverage for rented/leased land, irrigation pivots, livestock (if needed), custom farming, and mobile farm property.
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Learn More About Our Farm Coverage Options
Why Farms Need More Than Standard Home Insurance
Homeowners policies don't cover farm exposures or ag-related liability
Farm insurance is designed for rural property, business use, outbuildings, machinery, and unique risks of agriculture
Get the Right Policy for Your Farm's Needs
Gateway reviews your operation-property, buildings, equipment, and liability exposures to recommend a package that fits your farming risks.
The exposures farmers face on a daily basis should consider the additional coverages including but not limited to: Farm Extra Expense, Custom Farming, Farm Pollution, Employees, and more.
From hobby farms to large operations, we can help tailor coverage for your farming operation.
Protection for Wind, Hail,
and Rural Travel
Blizzards, hail, windstorms, and the challenges of moving equipment between fields are part of the farm life. Gateway structures limits and deductibles around rural exposures, so your farm stays protected no matter the season.
Farm Insurance-Questions Answered
What does farm insurance cover?
Buildings, equipment, personal property, and liability tied to farm operations, that can be customized for each operation.
Do I need farm insurance if I don't have livestock?
Yes-property and liability exposures exist even without animals. Gateway can help build a plan for your operation.
How do I insure outbuildings, grain bins, and equipment?
Schedule them on your farm policy, we can help document and develop limits for each item by company cost estimators.
I am having trouble finding a policy for my farm buildings, is there coverage available for this?
Yes, our agency can help find insurance for those hard-to-place farm buildings and premises.
Farm policy vs homeowners policy-what's the difference?
Farm insurance covers more: outbuildings, machinery, liability for farm operations, and ag-specific exposures.
Protect Your Operation
Get a Farm Insurance Quote
One plan for your home, buildings, equipment, and ag liability. Gateway Insurance can help protect your farm operation; we can discuss coverage options to meet the specific needs and risk factors you face.