The limits
- Farm buildings
- Rebuild cost, per building
- Livestock
- Agreed value per head
- Public liability
- £5m, £10m with visitors
- Standard excess
- £1,000
The house, the buildings, the stock and the machinery, on one policy.
Farm insurance
from £1,400 a year
4.9 (612)Combined farm cover for livestock, arable and mixed holdings across Shropshire, Herefordshire and mid-Wales, including diversifications.
Who it suits. Family farms and estates, from smallholdings to 800 acres, including farm shops, holiday lets and equine.
Standard excess £1,000. The price shown is typical for a plain risk, not a quote.
What is covered
- Farmhouse, farm buildings and contents on one schedule
- Livestock, including death by fire, lightning and straying onto a road
- Tractors and machinery, on the road and in the field
- Stored crops and fodder at market value
- Diversifications: the farm shop, the glamping pods, the livery
What is not
- Disease in livestock, unless you add it
- Buildings in disrepair or out of use, unless agreed
- Pollution that happens gradually
How we place it
A farm policy is several policies in one: a house, a set of working buildings, livestock, machinery, and often a business open to the public. We put the lot on one schedule and walk the yard with you before renewal, because a barn that has been converted since the last visit is a barn that is underinsured.
We insure farm buildings at rebuild cost where it matters, such as stone barns that would cost far more to rebuild than their value on the balance sheet. Where a building is only worth what it would cost to clear, we say so and save you the premium.
Diversification changes the liability. A farm shop or a field of glamping pods means members of the public on the land, and the policy needs to know about it.
A claim we handled
Storm took the roof off a stone barn
Forty square metres of tiles gone in February. We had the barn on the schedule at rebuild cost, not market value, so the reroof was paid in full.
- Insurer paid
- £18,400
- Excess
- £1,000
- Days to settle
- 24
