Hobby & Commercial Farm Insurance


Protect Your Farm With Insurance Coverage

If you live on a farm, it is important to have the right type of insurance. Whether you run a large-scale farming operation or a small, family-owned farm, we have the farmer's insurance coverage you need. Although standard farm insurance policies cover real and personal property, there are special provisions and limitations.

A Range of Coverage for Farming Businesses

Some of the insurance coverage types that we carry are: 
  • Livestock insurance
  • Crops, grains, & nurseries
  • Farm management services
  • Homeowners
  • Personal property coverage
  • Liability coverage
  • Injury to others
  • Detached structures like barns, living quarters, and other detached structures
  • And more
Our farm and agriculture policies can provide a variety of coverages for the average hobby farmer to the  commercial commodity producer.
Female farmer collecting eggs from chicken coop

Hobby Farmer Insurance

We offer hobby farm insurance to provide coverage for:
  • Personal home
  • Barns
  • Autos
  • Equipment
  • ATVs
  • Hay
  • Liability
  • Livestock
  • Farmhands
  • And more
The cost of your hobby farm insurance policies is based on the value of your home/barns/equipment/ATVs, the limits requested for hay/livestock/liability, and your 1099 pay to farmhands/helpers.
Rooster standing on tractor in front of barn

Farm Homeowners Insurance

We recommend working with our trusted agents to determine if your dwelling is considered a large-scale farming operation or a small, family-owned farm home because there are coverage differences. A farm homeowners insurance policy covers the dwelling. It also covers most personal property in the dwelling and insured outbuildings. From fires to falling objects, the policy includes a wide array of covered damages.
Farmer and insurance agent discussing information on tablet

Farm Property Insurance

This insurance covers your equipment, crops, and tools used for farming operations. The possible perils range from theft to building collapse and much more. You can also add farm liability insurance, which covers if someone sustains a personal injury or personal property damage while on your farm. For barns, confinement buildings, and other structures with high-value items, ask about barn insurance for adequate protection.
  • Farm property insurance covers your equipment, crops, and tools
  • Protect yourself from accidents and liability claims
  • Get specific coverage that fits your needs

Farm Renters Insurance

If you rent a farmhouse with or without buildings, the owner must provide insurance for any structures. However, farm insurance for renters covers your personal property in the home and any equipment, tools, or grain stored in buildings. There is also farm liability coverage to protect you from personal injury claims.
  • The farm owner must provide insurance on buildings and farmhouses that are for rent
  • Farm insurance for renters protects the contents inside your home and your other assets
  • Umbrella insurance can provide greater coverage on your items
We remain committed to providing quality service and reasonable prices. If you own a farm and want to update a coverage or need to insure a new property or rental, please contact us for a FREE quote.

Protect Your:

If I have a farm with multiple living quarters for the farmworkers, can I cover these buildings?

If there are multiple homes or structures on a farm or ranch, you can insure all buildings and structures. You just have to make sure that all buildings on the property that you want to be insured are listed. Talk with an agent about getting every asset you own on your farm to be included on your plan.
Cattle behind fence outside

Can I insure my livestock?

Yes. You can cover livestock with both hobby and commercial farming insurance.
Red barn with large silo

Can I insure grain elevators or silos?

Your agent should ask you for every building and structure that is located on your farm or ranch. Whether it is a grain elevator, silo, or shed, all structures should be listed on a farm policy to make sure they are covered or identified as excluded from coverage.

If I have acreage in multiple locations, can they be covered on one farm and ranch policy?

Yes. You can list each location as well as all the structures at each location and have them all insured on one policy.

Find an Agent

Our team of professionals are trained to help you find the exact policy you need. Every farm is different, so your insurance should be specific for you. Call us today to get started and get a FREE, personalized quote.
Guardian Insurance Group is an independent insurance agency that serves customers in Tennessee, Arkansas, and Mississippi. They offer a wide range of personal and commercial insurance products, including auto, home, and business insurance.

Guardian Insurance Group is committed to providing clients with the best possible service. They have a team of experienced and knowledgeable agents who are dedicated to helping their customers find the right insurance coverage for their needs. Guardian Insurance Group also offers a variety of online resources to help their customers manage their insurance policies.

In 2022, Guardian Insurance Group was voted in the top three for Best Insurance Agency by the DeSoto Times-Tribune. This award is a testament to the hard work and dedication of the agency's team. Guardian Insurance Group has locations in Memphis, TN, Southaven, MS and Byhalia, MS and is committed to providing clients with the personalized and unique service they deserve.
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