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Farm Home Insurance

Farm House Dwelling Insurance

Your home on the farm is where you go after a long day’s work and rest up for the working day ahead — that’s why the dwelling coverage on your farm insurance policy is so important. Your farm and ranch insurance includes a mix of homeowners insurance, otherwise known as farm house dwelling coverage, and business liability coverage.

What Does Farm Insurance Protect?

Farm dwelling insurance is the portion of your farm and ranch insurance policy that protects the dwelling structure on your property. Though similar, farm dwelling coverage is different than a homeowners insurance policy because it also offers a level of commercial liability insurance to protect structures associated with your farm or ranch business, like barns, silos and fencing. Increased coverage is also available for certain equipment necessary to your business, such as tractors and livestock. In essence, farm and ranch insurance is homeowners insurance, but with an extra level of protection for the business conducted on your property.

Your farm dwelling coverage protects the structure of your home, your belongings inside of your home, outdoor structures within 205 feet of the dwelling (e.g. gazebos, pools), and appliances. It also protects you for liability claims made against you or a family member.


Farm Home Insurance Coverage

Dwelling coverage insures your home and personal property against a broad range of unexpected incidents, which may include:

  • Fire
  • Lightning
  • Windstorm
  • Hail
  • Smoke
  • Weight of ice, snow or sleet
  • Vandalism
  • Theft
  • Breaking of glass
  • Damage by certain vehicles
  • Water damage from plumbing or heating system
  • Frozen plumbing
  • Power surge to appliances
  • Bursting water heater

Additional Farm Home Insurance Options

Additional farm home insurance coverages can give you peace of mind that you have the right coverages in place no matter what’s thrown your way:

Roof replacement coverage. You’ll choose between actual cash value and replacement cost value to cover the cost to repair or replace your roof if it’s damaged by a covered loss. Learn more about insurance for roof replacement.

Sump pump coverage. If your sump pump system ever fails or the power goes out, water overflow may occur. But you're typically not covered for this type of damage with your homeowners insurance. Learn more about how having sewer back-up and sump pump overflow coverage gives you that important layer of protection.

Matching undamaged vinyl or metal siding coverage. If the vinyl or metal siding of your home gets damaged, finding replacement siding that’s a good match can be difficult. Having this coverage can keep your home looking the way you want it to. Find out more about undamaged vinyl or metal siding coverage.

Additional living expense coverage. If your home becomes uninhabitable due to a covered loss requiring you to temporarily relocate, additional living expense coverage helps pay for food and lodging while repairs are being made.

Fair rental value. If you rent your home or part of it to a tenant and your rental becomes uninhabitable due to a covered loss, fair rental value coverage reimburses you for lost rent during the repair.

Request a Farm Home Insurance Quote

Your American Family agent can help you discover more about how farm and ranch insurance coverage protects your home and everything inside. Connect with your agent to make sure your needs are met and your questions are answered.

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