Farm & Rural InsuranceA working farm on one policy — homestead, sheds, machinery, livestock, crop and the liability that comes with having people and stock on the property.A farm is a home, a workplace and a set of expensive moving assets on the same title, and a farm pack is built to cover all three together. It's one of the areas Ben set Protego up to focus on, and one where being under-insured tends to show up at the worst possible time.What it can cover

Homestead, sheds, silos, fencing and other farm structures

Farm machinery and mobile plant, whether in the shed, in the paddock or on the road

Livestock, and crop cover including fire and hail depending on the policy

Farm liability — visitors, contractors, stock on roads and produce you sell

Domestic contents, workers' tools and the general property that comes with a working property

Who it may suitFarm cover may suit an owner or operator of a working rural property with a mix of buildings, machinery, livestock or crop. Whether it's appropriate for you depends on your own circumstances — read the PDS and TMD before deciding.Worth thinking about

Machinery values move with the used market. A header or tractor insured at last season's figure may be well short of what replacing it costs now.

Seasonal exposure matters: what's at risk in the shed over winter is not what's at risk in the paddock at harvest. Timing the review helps.

Crop cover, and what perils it responds to, varies considerably between policies — hail, fire and the declaration process are all worth going through line by line.

Liability on a farm reaches further than people expect: contractors, agistment, stock on roads and farm-gate sales all carry exposure.

Important informationProtego Insurance Pty Ltd ABN 55 699 311 558 is a Corporate Authorised Representative (CAR 001322006) of Sirius Insurance Pty Ltd ABN 60 606 142 027, AFSL 550946.The information on this website is general in nature and does not take into account your objectives, financial situation or needs. Before making any decision about any insurance product, consider whether it is appropriate for your circumstances and read the relevant Product Disclosure Statement(s) (PDS) and Target Market Determination(s) (TMD).

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