Farm Insurance in Elkins, WV
Farm insurance covers your land, outbuildings, livestock, equipment and farm liability. A homeowners policy specifically excludes agricultural operations, so hobby farms need this too.
Skip the reading, get to quoting.
1301 Harrison Ave, Elkins · Mon–Fri 9 AM–5 PM
Here since 1976 for requotes and claims. We usually call back the same or next business day.
Coverage for All Types of Farms
From small hobby operations to large commercial farms—5 acres or 500 acres.
Complete Farm Protection
Structures & Buildings
Your house, barns, equipment buildings, livestock shelters, and everything inside them.
- ✓ Home & barns
- ✓ Sheds & coops
Machinery & Equipment
All farming machinery, tools, and implements from tractors to hand tools.
- ✓ Tractors & balers
- ✓ Mowers & implements
Animals & Livestock
Coverage for cattle, horses, poultry, and other farm animals against covered perils.
- ✓ All livestock types
- ✓ Poultry flocks
Liability Coverage
Protection when farming activities cause injuries or property damage to others.
- ✓ Bodily injury
- ✓ Legal costs
Farm Claims We've Handled
Equipment Loss During Harvest
Hay baler caught fire mid-season. Farm coverage provided replacement funds.
Storm Damage to Cattle Barn
Severe weather collapsed barn roof. Insurance covered repairs and livestock veterinary care.
Visitor Injury on Property
Farm visitor tripped and broke their arm. Liability coverage handled medical bills and legal expenses.
Total Loss Hay Fire
Fire destroyed barn with full winter hay supply. Complete coverage for structure and stored feed.
One Recommendation for Your Farm
We write farms with multiple insurance companies, because each one wants different farms, and recommend the one that fits yours.
Serving Elkins, Randolph County and North Central West Virginia.
Farm Insurance Questions We Get Every Week
I keep a few cattle on the land around my house. Is my homeowners policy enough?
No. A homeowners policy stops where the farming starts: barns, livestock, tractors and the liability that comes with raising animals all sit outside it. A farm policy covers the house and the operation together.
Is my place too small, or too big, for a farm policy?
Neither. We write a few acres with a horse barn and full-time cattle or poultry operations alike. The small places are where we find the most gaps, because the owner never thought of the land as a farm.
What sets the price of a farm policy?
What you have to protect: the buildings and their age, the livestock, what the equipment is worth, and how far the farm sits from a volunteer fire department. Out in Randolph and Tucker counties that distance carries real weight on barns and houses alike. We quote your farm with multiple insurance companies and tell you the one we would pick.
Will my policy pay if snow brings down my barn roof?
That depends on the property form the barn is written on, and a barn left off the policy has no coverage at all. Snow load is a real winter risk for barns in Randolph and Tucker counties, so we check the form and the limit on every outbuilding you rely on.
What about hay in the barn versus crops still in the field?
They are insured separately. Once hay or grain is cut and put up, the farm policy can list it as farm property. While it is still growing, it falls under federal crop insurance or a private crop-hail policy, which sit outside the farm policy. We tell you which pieces your operation needs.
Is my tractor covered on the road between my fields?
Yes, once it is listed on the farm policy: listed machinery is covered on and off your land, including on the mountain roads between home and ground you lease. Each tractor and implement is listed at its value, so call us when you buy or sell one and we update the list.
Ready to Protect Your Farm?
Call the office or send us your farm details.
Call the Elkins Office
Call the Elkins office at 304-636-0899, 1301 Harrison Ave. We have been here since 1976, and we usually call back the same or next business day.
Request a Quote
Submit your information and we'll contact you about your farm coverage needs.
Looking for a different location?
Jon Parrack Insurance — a separate, independently owned Parrack family agency — has its own version of this page.
Jon Parrack Insurance
Serving Point Pleasant, Mason County (WV) & Southeast Ohio
Point Pleasant, WV
See this page for Point Pleasant