Keller-Brown Insurance Services
9 S Main St, PO Box 215
Shrewsbury, PA 17361
Phone: (717) 235-6891(717) 235-6891
Toll Free: (800) 785-7461(800) 785-7461
Keller-Brown Insurance Services
9 S Main St, PO Box 215
Shrewsbury, PA 17361
Phone: (717) 235-6891(717) 235-6891
Toll Free: (800) 785-7461(800) 785-7461
Farming looks different today than it did a generation ago.
Some operations focus on crops or livestock. Others include horse boarding, roadside stands, equipment rental, agritourism activities, or custom farming services. Many farms are also family homes, making the line between personal and business insurance more complicated than most property owners realize.
Farm insurance is designed to bridge that gap.
Unlike a standard homeowners policy or commercial insurance policy, farm insurance combines protection for your home, personal property, liability, farm buildings, equipment, livestock, and farming operations under a specialized policy designed specifically for agricultural businesses.
At Keller-Brown Insurance Services, we help farm owners throughout Southern Pennsylvania and Northern Maryland find coverage that fits their operation today while helping prepare for future growth and changes.
Request a Farm Insurance Quote Today
Farm insurance is a specialized type of coverage designed for properties where personal and farming activities often overlap.
A farmowners policy typically combines many of the protections found in a homeowners policy with coverage designed for agricultural operations. Depending on your operation, coverage may include:
Because every farm operates differently, coverage can often be customized to fit your property's unique needs.
Many people assume farm insurance is only for large commercial farming operations. In reality, a farm policy may be appropriate for a wide variety of agricultural activities.
You may want to review farm insurance if you:
Even smaller operations can create exposures that may not be adequately covered under a traditional homeowners policy.
Many people are surprised to learn that they may still need a farmowners policy even if their personal residence is not located on a farm property.
If you own farm equipment, lease farmland, or perform custom farming work for others, a farmowners policy may still be the best solution for protecting your operation.
Every situation is different, which is why it's important to review your activities, equipment, and exposures with an experienced farm insurance professional.
Farm operations come in many forms, and the activities that belong on a farm policy may be broader than many people realize.
Growing crops for sale or personal use.
Cattle, poultry, sheep, goats, horses, fish farming, and other agricultural animal operations.
Activities such as grain storage, feed production, dairy operations, and related agricultural processes.
Tractors, combines, harvesters, irrigation systems, and other specialized agricultural equipment.
Barns, silos, greenhouses, equipment sheds, storage buildings, and other farm-related structures.
Roadside stands, farm markets, produce sales, leasing buildings for agricultural use, and custom farming services.
Horse boarding, lessons, training, breeding, and showing activities.
Pick-your-own operations, educational experiences, seasonal attractions, farm tours, and similar visitor activities.
Review Your Coverage With Our Team
Coverage varies by operation and insurance carrier, but farm insurance may include protection for several important areas of your operation.
Coverage for farm structures and property, including:
Farm equipment represents a significant investment for many operations. Coverage may be available for:
Depending on the operation, coverage may be available for livestock and animal-related exposures.
Liability coverage can help protect against claims involving:
Coverage options for farm vehicles and equipment used in farming operations.
Protection for eligible employees who are injured while performing covered work activities.
Additional liability protection that may provide coverage above underlying policy limits.
Request a Farm Insurance Quote Today
No two farms are exactly alike. We work with a wide variety of agricultural operations throughout Pennsylvania and Maryland.
Protection designed for multi-generational farming operations and family-owned agricultural businesses.
Coverage options for smaller farms that may still have equipment, livestock, buildings, and liability exposures.
Insurance solutions for horse owners, boarding facilities, training operations, and equine businesses.
Coverage for operations focused on growing crops and managing agricultural property.
Protection tailored to farms raising cattle, poultry, sheep, goats, and other livestock.
Coverage considerations for farms selling products directly to consumers.
Insurance solutions for farms that welcome visitors for educational, recreational, or seasonal activities.
Agritourism has become increasingly popular throughout Pennsylvania and Maryland.
Activities may include:
While these activities can create exciting opportunities for farms, they can also introduce additional liability exposures.
If you are considering adding agritourism activities to your operation, it's important to speak with your insurance provider before launching the activity. In many cases, agritourism operations need to be incorporated into a broader farm policy package rather than insured separately.
Our team can help evaluate your plans and discuss available options.
Keller-Brown Insurance Services proudly serves farm owners throughout Southern Pennsylvania and Northern Maryland.
We regularly work with agricultural operations throughout:
Our team understands the unique challenges facing farms in our region and can help identify coverage solutions designed to fit your operation.
We've worked with enough farm owners over the years to know that no two operations look exactly alike.
A family farm, hobby farm, horse farm, or produce operation can all have very different insurance needs. We often find that farm owners aren't sure if something is covered, whether that's equipment, leased land, a roadside stand, or a new activity they've added to the property.
Our job is to help you understand your options, identify potential gaps, and make sure your coverage keeps up as your operation changes. We're proud to serve the farming communities of Southern Pennsylvania and Northern Maryland and help protect the farms, families, and livelihoods that keep them running.
What does farm insurance cover?
Farm insurance may provide coverage for your home, farm buildings, equipment, livestock, liability exposures, vehicles, and certain farming operations. Coverage varies based on the policy and operation.
Is farm insurance different from homeowners insurance?
Yes. Farm insurance is specifically designed to address agricultural exposures that are typically not covered under a standard homeowners policy.
Do hobby farms need insurance?
Many hobby farms have equipment, livestock, structures, or liability exposures that may require specialized coverage. A farm insurance review can help determine the appropriate level of protection.
How much farm liability coverage do I need?
The appropriate amount of liability coverage depends on your operation, property, visitors, equipment, and business activities. Our team can help evaluate your specific risks.
Does farm insurance cover tractors and equipment?
Many farm policies can provide coverage for tractors, combines, harvesters, and other agricultural machinery. Coverage varies by policy and carrier.
Can I insure only my farm machinery?
Possibly. While many solutions involve a farmowners policy package, some standalone options may be available depending on your situation. We can review your operation and discuss available options.
What information should I gather before requesting a farm insurance quote?
To help us provide the most accurate quote possible, gather:
What's the difference between farm insurance and farm and ranch insurance?
In many cases, the terms are used interchangeably. Coverage needs can vary based on your property, operation, livestock, equipment, and activities. If you're looking for information about farm and ranch insurance, our team can help you understand your options and determine the right coverage for your operation.
Whether you're operating a family farm, hobby farm, equine facility, crop operation, or diversified agricultural business, Keller-Brown Insurance Services can help you explore coverage options designed for your operation.
Request a quote today or contact our team to discuss your farm insurance needs.