Farm Insurance

Farming is part of life here in Northern Vermont and New Hampshire, and no two farming operations are exactly alike. Whether you're running a working dairy farm, raising livestock, growing crops, or simply enjoying a few acres with some animals, your insurance needs can be quite different from those of a typical homeowner.

At Barrett Insurance Agency, we're well-versed in the farm insurance world. From traditional agricultural operations to smaller hobby and gentleman farms, we understand the many moving parts that go into protecting a farm.

More Than Just a Home and a Barn

Farm insurance can bring several types of coverage together, depending on the size and nature of your operation.

Some of the areas we commonly discuss include:

• Your Home: Coverage for your primary residence and personal belongings.

• Farm Buildings: Barns, equipment sheds, garages, and other agricultural structures.

• Farm Equipment: Tractors, machinery, tools, and equipment used in your farming operation.

• Livestock & Farm Property: Animals, hay, feed, and other eligible farm-related property.

• Farm Liability: Protection for certain liability exposures associated with your property and farming activities.

• Additional Farm Coverages: Depending on the operation, other protections may be available for farm income, equipment breakdown, and specialized agricultural exposures.

The right approach depends on what you do, what you own, and how your farm operates.

From Traditional Farms to Mini-Farms

Not every property with a barn, tractor, or a few animals is a commercial farming operation. That's an important distinction when exploring insurance.

We're proud to represent Co-operative Insurance Companies, a Vermont-based insurer with a long history of insuring farms throughout our region.

Traditional Farm Insurance

For established farming operations, Co-operative offers farm insurance options designed to address agricultural buildings, equipment, livestock, liability, and other exposures associated with operating a farm.

Mini-Farm Insurance

For smaller operations, including hobby, part-time, and gentleman farms, Co-operative's Mini-Farm program can be a solid option.

This program is designed for eligible smaller agricultural operations and can combine coverage for your residence with options for farm buildings, equipment, livestock, and farm-related liability.

It's a useful alternative to consider when a traditional homeowners policy may not adequately address the agricultural activities taking place on your property.

Let's Talk About Your Farm

Whether farming is your livelihood or simply a way of life, we understand there's much more to consider than the number of acres you own.

At Barrett Insurance Agency, we'll take the time to learn about your property, buildings, equipment, animals, and the activities taking place on your farm. From there, we can explore the insurance options that may be available.

Coverage options are subject to eligibility, underwriting approval, and individual policy terms, conditions, limits, and exclusions.