Farm Insurance

Farm Insurance

Our farmowners program offers coverage for owner-occupied structures with farm related exposures.  A farm policy covers the residence, personal property, personal liability, and medical payments. To meet your varied and specific needs we provide a variety of optional coverages.

For customers who insure their primary residence or rental property with FMT, we offer farm fire coverage for farm property without an owner-occupied residence.

Important Note for Farm Owners: Standard policies for farm property owners do not cover flood damage. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) by calling (888) 379-9531 or through one of our local insurance agents.

Call us today or click on the “Get a Free Quote” button to complete our simple quote form, and we’ll get back to you with answers regarding flood insurance.

If you are interested in learning more about the National Flood Insurance Program (NFIP), please feel free to check out their official flood website: floodsmart.gov

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Farm Insurance Optional Coverages


  • Earthquake
  • Private Structures Rented to Others
  • Private Structures Limits
  • Personal Property Reduced or Increased Limit
  • Personal Property Increased Limit Away from Premises
  • Personal Property Replacement Value
  • Refrigerated Food Products
  • Fire Department Service Charge
  • Credit Cards and Depositors Forgery
  • Home Computers
  • Homeowners Association Loss Assessment
  • Scheduled Personal Property
  • Bicycles
  • Boats
  • Coins
  • Fine Arts
  • Furs
  • Golf Equipment
  • Guns and accessories
  • Jewelry
  • Miscellaneous Tools
  • Musical Instruments
  • Photo Equipment
  • Silverware, goldware and pewterware 

OPTIONAL LIABILITY COVERAGES

  • Private Structures – Rented to Others
  • Business Pursuits
  • Care Provided for Others
  • Office, Professional, Private School or Studio Occupancy
  • Outboard Motors and Watercraft
  • Incidental Farming
  • Farmers Comprehensive Personal Liability

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Farm Related Exposure Options


  • Farm Buildings – Barns, silos, machinery sheds and other farm structures
  • Farm Personal Property in Farm Buildings – Farm products, feed, grains, etc. located in insured farm buildings.
  • Specifically Insured Machinery – Tractors, combines, and other farm implements of significant value.
  • Blanket Coverage for Small Tools and Farm Machinery
  • Livestock 

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