Farm Insurance in Point Pleasant, WV
Farm insurance covers your land, outbuildings, livestock, equipment and farm liability. A homeowners policy specifically excludes agricultural operations, so even a few head on land you live on needs a farm policy.
Skip the reading, get to quoting.
What Farm Insurance Covers
Your Buildings
Your home, barns, equipment sheds, livestock shelters, and other farm structures—including everything stored inside.
- ✓ Barns & sheds
- ✓ Stored hay & feed
Farm Equipment
Tractors, implements, tools, ATVs, and other machinery used in your operation.
- ✓ Tractors & implements
- ✓ ATVs & tools
Livestock & Animals
Cattle, horses, sheep, goats, chickens, and other farm animals against covered losses.
- ✓ Cattle, horses, sheep
- ✓ Chickens & poultry
Farm Liability
Protection if someone is injured on your property or your farming activities cause damage.
- ✓ Injury protection
- ✓ Legal defense
From Hobby Farms to Commercial Operations
Whether you have a few chickens or a full cattle operation, we provide the coverage you need.
Real Claims We've Handled
$120,000 Tractor Fire
Tractor caught fire in a hayfield. Farm policy covered full replacement—homeowners would have denied it.
$900,000 Liability Claim
Guest injured on farm property. Farm liability covered the claim and legal costs.
Wind Damage & Livestock Loss
Storm collapsed cattle shelter, killing livestock. Farm insurance covered both building and animals.
Lightning Strike Barn Fire
Barn destroyed with stored hay and equipment. Complete replacement coverage.
We Understand Farm Operations
We know the equipment, understand the risks, and get you proper coverage that actually protects your operation.
Serving farms across West Virginia and Southeast Ohio—from hobby operations to commercial agricultural businesses.
Farm Insurance Questions We Get Every Week
Will my homeowners insurance cover my farm?
No. Standard homeowners policies specifically exclude agricultural activities, farm structures, livestock, and farming equipment. If you sell produce, board horses, run cattle, or store equipment for a farming operation, those exposures need a farm policy. Many people discover the exclusion at claim time.
What types of farms can you insure?
Hobby farms, small family farms, cattle operations, horse farms, poultry houses, and larger commercial agricultural businesses. Whether you farm full time or keep a few head on land you also live on, there is a policy structure that fits. The hobby farm case is the one most often written incorrectly.
How much does farm insurance cost?
Premiums vary with acreage, the number and type of structures, livestock counts, equipment values, and whether you have any retail or agritourism operation. We shop multiple farm carriers because appetite differs sharply between them, and the same operation can rate very differently from one company to the next.
Does farm insurance cover crop damage?
Farm property policies typically cover stored hay, feed, and harvested products. Growing crops in the field are handled through federal multi-peril crop insurance or private crop hail policies, which are separate from the farm policy. We can point you to the right combination for your operation.
Is my farm equipment covered off the property?
Under a farm policy, mobile equipment is generally covered on and off the premises, including in transit between fields you rent. Tractors and implements are usually scheduled by value, so the list needs to stay current. Equipment bought mid season and never added is a common uncovered loss.
Do I need liability coverage if people come onto my farm?
Yes, and it should be farm liability rather than homeowners liability. Anyone visiting to buy hay, pick produce, ride, or hunt creates an exposure a homeowners policy excludes because the activity is agricultural or commercial. If you charge for any of it, tell us, because that changes the coverage form.
Get Your Farm Insurance Quote
Talk to an agent who understands agricultural operations
Call Us Now
Speak directly with an agent who can answer your questions and provide a quote.
304-675-4132Request Information
Fill out a quick form and we'll contact you to discuss your farm coverage.
Looking for a different location?
Parrack Insurance Agency — a separate, independently owned Parrack family agency — has its own version of this page.
Parrack Insurance Agency
Serving Elkins, Buckhannon & North Central WV
Elkins, WV