Family farms and hobby farms need a policy that fits the actual operation, not a homeowners endorsement.
Personal farm insurance covers the smaller-scale farm: hobby farms, family acreages with livestock or limited row crops, equine operations, and rural residences with significant outbuildings or land. The right form is somewhere between a standard homeowners and a full commercial farm program, and the wrong choice leaves either coverage gaps or unnecessary premium.
Most personal farm programs aren’t underpriced. They’re under-built. Coverage placed on a homeowners policy that doesn’t recognize the farm exposure, missing scheduled equipment, low liability for animal-related claims, no coverage for income-producing activities, and gaps in pollution and chemical exposure for hobby cultivation — these are common when someone places a hobby farm like a primary residence.
At Avanti Group, we run a Residential Risk Audit™ before we recommend any personal farm program. We map the property, the operation, the livestock, and your specific exposures — and structure coverage that fits the place.
Who We Cover
We place personal farm coverage for owners across Iowa and the Midwest, including:
- Hobby farms and family acreages
- Equine and horse boarding operations
- Small livestock operations (chickens, goats, sheep, beef cattle in limited numbers)
- Rural residences with significant outbuildings
- Property owners with limited row crop or pasture income
- Hunting properties and recreational acreages
The Coverage Lines That Matter Most
A complete personal farm program includes:
- Dwelling Coverage — on a farm-appropriate form rather than a standard HO-3
- Outbuildings & Other Structures — barns, sheds, and storage buildings
- Personal Property — including farm-related contents
- Farm Liability — premises and operations including animal-related exposures
- Equipment & Inland Marine — tractors, mowers, and farm equipment
- Livestock Mortality — for equine and high-value livestock
- Personal Umbrella — with farm exposures specifically scheduled
How to Get Started
Personal farm insurance isn’t a commodity product. Call our office or use the button below to start a conversation. We’ll review your property, identify any gaps, and let you know exactly where you stand before we ever go to market.