Farm Insurance

California farmers face multiple perils that could trigger financial losses. Farm and ranch insurance can help provide much-needed protection against common risks, even when the unexpected happens.  


Contact Nor Cal Pacific Insurance in Redding, California, to learn more about your farm and ranch insurance options.  

How to Insure a Farm 

Your farm insurance is a highly customized collection of policies and endorsements designed to limit your financial exposure to common risks and perils. Your agent can help you determine which coverage is appropriate for your farm and ranch operations.  


Depending on your needs, your agent may recommend that you purchase the following coverages: 

• Crop insurance—This policy may help protect against lower crop yields due to natural events such as disease, fire, insect damage, flooding and drought.  
•  Livestock insurance—This coverage may help reimburse your farm for the loss of covered animals.  
•  Equine insurance—This coverage may help insure your farm’s horses against injuries, death and other hazards.  
•  Farm equipment insurance—This coverage may help cover the damage or destruction of your farm machinery and tools, such as rakes, pumps and sprayers.  
•  Tractor insurance—This coverage may help cover damage to your covered tractor, which is not typically included with farm equipment insurance.  
•  Farm dwelling coverage—This policy may provide coverage for your home if you live on-site. 
•  Umbrella insurance—This policy may help pay liability claims that exceed the limits of your farm’s other policies.  
•  Workers’ compensation insurance—This policy may help pay medical bills and wage replacement if your covered employees are injured or become ill in a work-related accident or incident.  

How Does Farm Insurance Work? 

A farm insurance plan tailored to meet the needs of your California farm or ranch may help reduce your out-of-pocket costs when an accident or incident threatens your ability to make money. Farm insurance should cover the most important aspects of your farm, including liability coverage, so it’s crucial to work closely with your agent to design a plan that meets your needs and fits your budget.  

How Much Is Farm Insurance?  

Your farm insurance premiums are based on numerous factors about your farm or ranch and your chosen coverage. When determining your farm insurance costs, insurers may consider the following: 

• Your farm’s location and size
• The value of your insured property
• Your policy’s deductibles and coverage limits
• Your claims history
• Your agent can help you get farm insurance quotes from reputable insurers to help you get the best possible combination of value and price.  

How to Get Farm Insurance 

Contact Nor Cal Pacific Insurance today to start building your personalized farm insurance plan.