Hobby farm insurance is an important type of coverage for people who live on and maintain small-scale farms for personal enjoyment rather than commercial profit.
Comprehensive protection for home and farm
It’s designed to bridge the gap between standard homeowner’s insurance and full-scale farm insurance, providing protection for both residential and agricultural assets.
What Hobby Farm Insurance Covers
Hobby farm insurance combines home and farm protection in one policy. It helps safeguard your property, livestock, and equipment while covering liability risks that come with rural living.
Property & Dwelling Protection
This covers your house and any structures on the property (e.g., barns, sheds, stables, fences). It also protects against fire, storm damage, theft, or vandalism.
Livestock Coverage
If you have animals like chickens, goats, or horses, this can protect them from accidents, illnesses, and theft. Some policies even cover veterinary bills or costs related to animal care, like agistment.
Equipment & Machinery Insurance
Hobby farmers typically use equipment like tractors, mowers, or tools. This coverage protects them from loss, damage, or breakdowns, which can be costly if something happens unexpectedly.
Public & Personal Liability
This is crucial if you have guests, sell produce, or host events on your farm. It helps cover injuries to others or property damage (e.g., if livestock escape and damage a neighbor’s property).
Business Interruption (Optional)
For hobby farmers who generate some income (e.g., selling produce), this option can help cover losses caused by disruptions like storms, natural disasters, or machinery failures.
Cover at a glance
Combined protection for your home, outbuildings, and farmland
Cover for livestock, crops, machinery, and equipment
Protection against fire, storm damage, theft, and vandalism
Public and personal liability options for visitors or farm activities
Optional cover for business interruption and farm income
Flexible limits and extensions tailored to your property and lifestyle
Who needs it?
If you fit any of the following criteria, hobby farm insurance could be beneficial:
Lifestyle property owners
You own a rural property that’s under ~20 hectares and use it for lifestyle farming (even if it’s just for personal use).
Hobby farmers
You raise animals or grow crops, whether for personal consumption or as part of a small-scale operation.
Agri-entrepreneurs
You host guests, sell produce, or participate in farmers’ markets.
Homeowners needing extra cover
You want more comprehensive protection than what a standard home insurance policy provides.
Why It’s Important
Even if your farm is just a hobby, you’re still exposed to risks—natural disasters, theft, livestock injuries, and liability issues.
Hobby farm insurance gives peace of mind so you can enjoy your rural lifestyle without worrying about the potential financial consequences of these risks.
