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Farm Insurance

Like you, farming is in our heritage. We understand the risks you face to cultivate crops and raise livestock. Your farming business has changed over the years. So has our farm insurance. Our flexible farm policies are customized to fit your farm operation. But not everything has changed. You’re still dedicated to the land, and we’re still dedicated to you.


It's all part of our Personal Attention…Peace of Mind.









Farm Property Coverage

Years ago, the barn represented the center and livelihood of a family farm. Farming operations have changed since then, but your investment in farm buildings, property, and livestock continues. That's why we offer farm property insurance. It's called the Farm-Mate® policy because it's flexible to match your needs and provide coverage for the family farm operation, the small hobby farmer, or the large corporate or partnership farming operation. Coverages protect your home and household property as well as your farm buildings and farm personal property.


Farm-Mate® Property Coverages

  • Dwelling
  • Household personal property
  • Additional living expense/loss of rents
  • Farm buildings
  • Scheduled and unscheduled farm personal property


Additional Coverages

  • Debris Removal
  • Emergency removal of a property
  • Necessary repairs after a loss
  • Construction of new buildings
  • Fire department charges
  • Farm implements coverage due to building collapse


Contact your local agent for your farm owner insurance quote today and ask if your farm qualifies for a discount.





Farm Liability Coverage

You like your independence and your freedom. That's why you choose to make your living on the farm.  Forward Mutual admires your choice. That's why we chose to stand beside you, to help protect you and your loved ones from financial exposure.  Our Farm-Guard® policy has been protecting farmers like you for more than 30 years and can be packaged with our Farm-Mate® policy. Farm-Guard® is there to protect you should an accident, injuries, or claims of negligence arise as a result of your farming operations. Because it matters, we’ll also provide CyberScout® services (an identity theft insurance solution) at no extra charge.


Farm-Guard® Liability Coverage

  • Bodily injury and property damage
  • Public liability
  • Employers' liability
  • Medical payments
  • Pollution coverage


Premium Discounts

  • Owner occupied farm
  • Non-occupied farm
  • Country home discount
  • Livestock exclusion


Optional Coverages

  • Agricultural excavation and tilling
  • Agricultural unmanned aircraft systems
  • Business activities
  • Contractual liability
  • Custom farming
  • Custom feeding
  • Custom manure contractors
  • Horse boarding
  • Hunting and fishing
  • Residential rental property
  • Seed sales


Contact your local agent today to learn more about protecting your farm or get a personalized quote.





Additional Policy Coverage Options

Customize your farm protection with our additional insurance coverages.





Inland Marine

You just inherited Aunt Martha's diamond and ruby bracelet. Or maybe your vintage poster collection has suddenly increased in value. You can protect your investment with additional protection for high-value items such as jewelry, silverware, fine arts, sporting goods, antiques, collectibles, and more.


Contact your local agent to learn more.





Home Business

Do you run a small business from your home? We call it a home-based business. If your primary residence is insured with us, you may be able to extend coverage to your business.


Contact your local agent to learn more.





Farmowners Equipment Breakdown Coverage

The techonology you use on your farm continuously increases in sophistication and value. Unfortunately, so do the risks. Here's where equipment breakdown coverage helps. With equipment breakdown coverage you choose the repair person and schedule visits that work for your lifestyle and within your time frame for the fast repair or replacement of your critical equipment. You'll appreciate the security, convenience, and peace of mind of our equipment breakdown coverage.

For more information, check out Forward Mutual's Equipment Breakdown Coverage.





Service Line Coverage

Underground service lines keep your home working and connected to important services that play a major role in your day-to-day life.  These lines can be damaged by causes not covered by your homeowners insurance policy.  Our service line coverage is a simple and affordable way to protect yourself from the high cost of service line failures.


Check here to see how service line coverage can help protect your home from a service line failure. Contact your local agent to learn more.