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Farm Insurance

As a farm owner, you have a great interest in protecting your property that serves as a home and a business. Whether you are a full time farmer or farm as a hobby or specialized farmer, The Ayres Group can offer a comprehensive farm owners package that is flexible to your specific farming needs.

Our Farm Owners Insurance Program can offer the following coverages:

Property Coverage

  • Dwelling- ACV or Replacement Cost
  • Personal Property- ACV or Replacement Cost
  • Farm Outbuildings- ACV or Replacement Cost
  • Farmowners Personal Property
  • Business Income
  • Standing Grain
  • Limited Pollutant Clean Up
  • Leased & Borrowed Farm Machinery
  • Equipment Breakdown
  • Damage to Crops & Fences
  • Recreational Vehicles
  • Off Premise Power Failure
  • Peak Season
  • Spoilage
  • Livestock
  • Farm Property Broadening Endorsements

Personal & Farm Liability

  • Personal Liability
  • Farmowners Liability- including premise, products & opertations
  • Medical Payments to Others
  • Damage to Property of Others
  • Limited Pollution Coverage


  • Personal & Farm Vehicles
  • Auto Liability
  • Physical Damage
  • Hired Auto Liability & Hired Auto Physical Damage

Workers Compensation

  • For full time, part time or seasonal employees


  • To provide an extra layer of liability coverage over your personal  & farming exposures
  • Orchards
  • Hobby/gentleman farms
  • Dairy farms
  • Sod farms
  • Aquaculture farms
  • Specialty farms (alpacas, llamas)
  • Grain farms
  • Livestock