Looking for the best farm insurance in the U.S.? Whether you operate a small family-run farm or a commercial-scale agribusiness, the right insurance policy is essential to protect your equipment, crops, livestock, and livelihood.
To help you navigate the options, we’ve compiled a list of the top 5 farm insurance providers in the U.S. for 2025—based on reputation, coverage options, customer service, and pricing.
1. Nationwide – Best Overall Farm Insurance Provider
Nationwide is widely recognised as the largest farm insurer in the U.S., with over a century of experience serving farmers. Their comprehensive and flexible farm insurance options are designed to suit both family farms and large agribusinesses.
Nationwide offers protection for farm structures, equipment, livestock, and liability. You can also customise your coverage with options like workers’ compensation and umbrella policies. With a strong financial rating and trusted service, Nationwide remains the go-to choice for many American farmers in 2025.
2. American Family Insurance – Best for Personalised Support
American Family Insurance is well-known for its hands-on customer service and flexible insurance products tailored to small and mid-sized farms. Their local agent network understands the unique challenges farmers face and can help build personalised coverage plan.
Coverage options include protection for farm buildings, machinery, livestock, and liability. Additional endorsements like cyber liability and farm truck insurance are also available. American Family is ideal for farmers looking for personal support and flexibility.
3. State Farm – Best for Combining Home & Farm Policies
State Farm allows homeowners who live on their farms to combine their personal and farm policies—making coverage more convenient and cost-effective. With a strong presence across the country and excellent customer satisfaction, State Farm remains a reliable choice.
Their farm and ranch insurance includes coverage for barns, equipment, livestock, and liability. State Farm also offers insurance for mobile farm machinery, a critical need for modern farmers. It’s particularly beneficial for hobby farms and owner-occupied operations.
4. Farm Bureau Insurance – Best for Rural Community Support
Farm Bureau Insurance stands out not just for its insurance products, but for its dedication to the agricultural community. Operating through state-level affiliates, Farm Bureau combines regional expertise with tailored insurance options.
Policies can include property and equipment coverage, livestock, crop income protection, and equipment breakdown. Many Farm Bureau plans also include advocacy benefits and exclusive discounts for members. It’s a trusted option for multi-generational farms and rural families alike.
5. AgriSompo North America – Best for Crop Insurance
AgriSompo North America specialises in federal crop insurance and private agricultural risk solutions. Backed by strong reinsurance and powered by technology, it’s a smart choice for large-scale crop producers.
They offer Multi-Peril Crop Insurance (MPCI), crop-hail coverage, livestock risk protection, and advanced weather and yield tracking tools. With a focus on precision agriculture and risk management, AgriSompo helps farmers maximise protection and reduce uncertainty.
Choosing the Right Farm Insurance
Before selecting a provider, consider the specific risks your farm faces. Factors like farm size, crop type, livestock volume, and location play a big role in determining what kind of policy you need.
Also think about whether you want to bundle personal and farm coverage, and whether you prefer a national insurer or a local agent with agricultural experience.
Final Thoughts
Choosing the right farm insurance isn’t just about protecting your assets — it’s about securing your future in a challenging and often unpredictable industry. Whether you’re managing a multi-acre commercial operation or a small family farm, the right policy gives you peace of mind and financial resilience.
Each of the providers listed here — from Nationwide to AgriSompo — offers unique strengths. Consider your farm’s specific needs, location, and risk exposure before making a decision. Don’t hesitate to consult with a licensed farm insurance agent to find a plan tailored to your business.
After all, farming is more than just a job — it’s a way of life. Make sure it’s well protected.
FAQ
1. What does farm insurance typically cover?
Farm insurance usually covers your residential dwelling, farm buildings, equipment and machinery, livestock, and liability protection in case someone is injured on your property. You can also add crop insurance, business interruption coverage, and protection for farm vehicles.
2. Is farm insurance different from homeowners insurance?
Yes. While homeowners insurance covers your home and personal property, it doesn’t extend to your farming operations, equipment, or agricultural liability. If you earn income from farming, you need a farm-specific policy to be fully protected.
3. How much does farm insurance cost in the U.S.?
The cost varies based on farm size, location, types of crops/livestock, and coverage limits. On average, small farms may pay $1,500–$4,000/year, while larger commercial operations may exceed $10,000/year. It’s best to get a tailored quote from insurers like Nationwide or Farm Bureau.
4. Do I need crop insurance if I already have farm insurance?
In most cases, yes. Standard farm insurance doesn’t automatically include crop protection. Crop insurance—especially federal programs like MPCI (Multi-Peril Crop Insurance)—must be purchased separately through approved providers like AgriSompo.
5. What’s the best farm insurance company for small farms?
For small farms, American Family Insurance and State Farm are top choices due to their flexible policies and strong agent support. These companies cater well to family-owned or hobby farms and offer custom coverage options for both farm and home.
6. Can I bundle farm and auto insurance?
Yes, many providers like Nationwide and State Farm offer bundling options for farm, auto, and even homeowners insurance. Bundling can help you save on premiums and streamline your policy management.
7. How do I know how much coverage my farm needs?
The best way is to work with an experienced farm insurance agent. They will assess your property, assets, income, and risk exposure to recommend suitable limits and add-ons. Some insurers offer free risk assessments and on-site evaluations.
