We know that your farm is more than a business—it’s your livelihood and your legacy. Wisconsin Mutual Farmowners Insurance provides comprehensive protection for your home, farm buildings, equipment, and liability—all in one convenient policy. Whether you manage crops, livestock, or a combination of both, we offer flexible coverage options to fit your needs.

From safeguarding your property to protecting against unexpected risks, we make it simple to keep your farm secure so you can focus on what matters most—growing your future with confidence.

COMMON FARM COVERAGES


Dwelling

Farm Dwelling Coverage


Protects your primary farm residence against covered losses like fire, wind, or hail. This is the foundation of your farmowners policy.

 

Auto

Farm Auto Coverage


From pickups to grain trucks, farm auto insurance protects the vehicles essential to your agricultural operation. This separate policy covers accidents, injuries, and property damage—helping you keep your farm running smoothly, both on and off the road.

 

Farm Buildings

Farm Buildings Coverage


Covers barns, silos, and other farm structures against covered perils, helping you safeguard the buildings essential to your operation.

 

Personal Property

Farm Personal Property Coverage


Protects equipment, tools, and supplies used in your farming operations. This includes machinery and other essential items that keep your farm running.

 

Livestock

Livestock Coverage


Provides protection for your animals against common risks like collision or certain perils, helping you protect your investment in livestock.

 

Liability

Liability Coverage


Covers bodily injury or property damage claims related to your farm operations, including legal defense costs.

 

ADDITIONAL COVERAGES


Extra Expense

Farm Extra Expense Coverage


Helps cover extra costs to keep your farm operating after a covered loss, minimizing downtime and financial impact.

 

Machinery Glass

Farm Machinery Glass Coverage


Pays for glass repairs on scheduled farm equipment, reducing out-of-pocket costs for common damage.

 

Operations Records

Farm Operations Records Coverage


Protects important farm records from loss or damage, ensuring your business information stays secure.

 

Peak Inventories

Peak Season Inventories Coverage


Adds extra coverage for times when your inventory is higher than usual, like harvest season.

 

Livestock Blizzard

Livestock Blizzard Coverage


Provides protection for livestock losses caused by severe winter storms.

 

Equipment Breakdown

Equipment Breakdown Coverage


Covers sudden mechanical or electrical breakdowns of covered farm equipment, helping you avoid costly repairs.

 

Business Income

Business Income Coverage


Helps replace lost income if your farm operations are interrupted by a covered loss.

 

Semen/Embryo

Semen and Embryo Coverage


Protects valuable breeding materials against loss, adding security for specialized operations.

 

Cyber Protection

Farm Cyber Protection Coverage


Provides coverage for cyber-related risks, helping protect your farm’s digital operations and data.

 

AVAILABLE DISCOUNTS


New Home

New Home Discount


Building or buying a new farmhouse? Enjoy extra savings on your farmowners policy. It’s our way of helping you start strong.

 

Fire Protection

Fire Protection Discount


Farms with qualifying fire protection—such as sprinkler systems or nearby hydrants—may earn a discount. Safety measures can mean real savings.

 

Auto/Farm

Auto/Farm Discount


Bundle your farm and auto policies with Wisconsin Mutual and save more. One company, one bill, more value for your operation.

 

Need more Information?

Find your agent today!