Compare farmhouse insurance quotes

Compare farmhouse insurance quotes

A farmhouse policy covers the house you live in and its contents, and can sit alongside cover for the farm business around it. A short Quotezone form lets providers on our panel quote for your home.

If you own a farmhouse you’re probably going to be keen to find a suitable farmhouse insurance policy to protect your home – and if you have a mortgage of your farmhouse then this type of policy is often a contractual obligation in your mortgage agreement too.

Of course, many farmers own farm land in addition to their farmhouse, and they may want to insure their livestock or crops as well. 

Luckily, the right farm insurance policy can insure crops, livestock and farm equipment in addition to insuring your farmhouse. 

How much is farmhouse insurance?

The cost of your farmhouse insurance will depend on a range of different variables, many of which are unique to you and your farm. For instance, the location of your farmhouse, as well as its age, size and value will all affect your premium, as will your claims history.

In addition, other policy features you choose to bundle with your policy when you’re insuring your farmhouse will impact the cost as well.

The best plan is to compare farmhouse insurance quotes from a range of providers, and then go with the one that offers the best coverage at the most competitive price.

Is farmhouse insurance mandatory?

You aren’t legally obliged to insure a farmhouse, but if you have a mortgage on the property you might have a contractual obligation to do so.

Of course, even if your farmhouse is mortgage free the right farmhouse insurance policy would still be a sensible investment – after all, for many farmers their farmhouse is both their home and an important aspect of their agricultural business. 

Does farmhouse insurance cover the contents of the property as well?

Yes, most farmhouse insurance policies will include contents cover, which would protect the contents of your farmhouse in the event of a burglary, fire or flood.

However, it’s worth mentioning that ‘accidental damage cover’ often isn’t included as standard, so if your home’s contents are damaged or destroyed in an accident your policy might not cover you unless you chose to pay extra for accidental damage cover.

Home insurance for a farmhouse or a farm policy?

It depends on how the house is used. A farmhouse that is only your home may suit a home insurance policy. If you run the farm office from it or store equipment in attached buildings, a farm policy that includes the house may fit better.

Tell the insurer about any business use, as leaving it out could affect a claim.

What can affect the cost of farmhouse cover?

Insurers can take account of:

• the age of the house and how it is built, such as stone, thatch or timber frame
• whether it is a listed building
• flood risk and how remote the property is
• outbuildings, annexes or farm buildings included in the cover
• security, and whether it is left empty for long periods
• your claims history

You might also need

Farm insurance can protect the farm business around your home, and agricultural vehicle insurance covers the tractors and machines you use.