Farm Insurance

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A woman is carrying a little girl on her shoulders in a field at sunset.

Protect your farm, equipment, and livelihood

Coverage Designed Around Your Industry

Running a farm comes with unique challenges—and unexpected risks. At HBS Insurance, we help farmers and rural property owners across Southern Indiana protect what matters most: your land, your equipment, your livestock, and your livelihood. From small family farms to large-scale agricultural operations, we’ll help you find reliable coverage that fits your operation’s size, scope, and budget.

What We Can Help You With

Coverage Designed for Working Farms

Because every operation is different, we customize each policy to match your property layout, income sources, and equipment needs.

Farm property coverage

Protects buildings, barns, silos, and machinery from damage caused by fire, wind, theft, or other covered events.

Farm liability insurance

Covers injuries or property damage that might occur on your farm, including accidents involving visitors, customers, or farm workers.

Livestock coverage

Helps cover the value of animals lost to accidents, natural disasters, or disease (depending on the policy).

Equipment and tractor coverage

Pays to repair or replace essential machinery—tractors, harvesters, plows—after covered losses.

Farm dwelling insurance

If your residence is located on your farm, this coverage protects your home, personal belongings, and attached structures.

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made for local producers

Frequently Asked Questions

  • Is farm insurance different from homeowners insurance?

    Yes. While both protect your property, farm insurance covers additional exposures like barns, equipment, and liability for farm-related activities that homeowners policies typically exclude.

  • Can I insure part-time or hobby farms?

    Absolutely. We can customize coverage based on the size of your operation and how you use your land or equipment.

  • Are livestock and machinery covered automatically?

    They can be, but coverage limits vary by policy. We’ll help ensure you have the protection you need for your animals, machinery, and tools.