Farm Equipment Insurance That Covers Your Tractor — Not Just Your Barn
Your tractor, skid steer, and field equipment are among the most valuable assets on your operation. Farm equipment insurance keeps them covered for theft, damage, and breakdown — so a bad week doesn't become a financial crisis.
Personal Insurance Built Around What You Actually Own
What Farm Equipment Insurance Actually Covers
Farm equipment coverage is built around the machinery your operation depends on — not the structures that house it. A standard farm equipment policy can cover:
- Tractors and attachments
- Combines, balers, and planters
- Skid steers, loaders, and utility vehicles
- Irrigation equipment and pumps
- Sugaring equipment, including evaporators and collection systems
- Small tools and implements used in day-to-day farm work
Coverage typically addresses physical damage from accidents, fire, and weather, as well as theft — one of the most common and costly losses for Vermont and New Hampshire farm operations. If your tractor goes missing from the field or a storage shed, a farm equipment policy is what responds.
Equipment and Buildings Are Not the Same Coverage
One of the most common misunderstandings in farm insurance is assuming that a barn policy covers the equipment inside it. It does not. Farm & Barn Property insurance covers structures — the building itself and permanently attached fixtures. Farm equipment coverage is a separate line that protects the machinery and tools you own, whether they're stored in a barn, parked in a field, or out on a job.
We review both categories when we quote your farm, so nothing falls through the gap between your building coverage and your equipment coverage. If you're not sure what's covered where, that's exactly the kind of question we sort out before there's a claim.
Coverage That Reflects How Vermont Farms Actually Work
Vermont farming isn't a year-round, constant-use operation for most people. Planting season, haying, harvest, and sugaring each bring different equipment into heavy rotation — and then that equipment sits idle for months. Your coverage should reflect that reality.
Farm equipment policies can be structured to account for seasonal use patterns. Whether your equipment runs hard from April through November or you're running a sugarhouse operation that peaks in late winter and early spring, we work with carriers who understand agricultural schedules. We access coverage from 14 carriers, which means we're not fitting your farm into a one-size-fits-all policy built for a different region or a different kind of operation.
Request a Farm Insurance Quote
We will get back to you as soon as possible.
Please try again later.
Common Questions About Personal Insurance
Common Questions About Farm Equipment Coverage
Does farm insurance cover a stolen tractor?
Yes, if you have farm equipment insurance that includes theft coverage. A standard farm property policy covering your barn will not cover the tractor inside it — equipment theft requires a separate equipment coverage line. We review this specifically when quoting your farm to make sure the gap is closed.How much does farm equipment insurance cost?
Cost depends on the total value of your equipment, how it's used, where it's stored, and the carriers available for your operation. A farm with a single older tractor will pay considerably less than one with a full line of modern machinery. The best way to get an accurate number is to call us or request a quote — we'll ask the right questions and shop your coverage across multiple carriers.Is my equipment covered if it breaks down mechanically?
Standard farm equipment policies cover physical damage from accidents, fire, theft, and weather. Mechanical breakdown coverage is a separate add-on and not included in every policy. If breakdown protection is important to you, let us know when we quote — it's something we can look for specifically across our carrier options.Do I need a separate policy for my sugaring equipment?
Sugaring and maple production equipment — including evaporators, collection lines, and sugarhouse machinery — can be included under farm equipment coverage. We write maple and sugarhouse coverage as a dedicated line, so your operation's specific equipment is accounted for rather than lumped into a general farm policy.What's the difference between farm equipment insurance and inland marine coverage?
Inland marine coverage is a broader commercial insurance category that covers equipment and tools in transit or at job sites away from a fixed location. Farm equipment insurance is specific to agricultural machinery and is typically structured as part of a farm policy. If you're running a farm operation alongside a contracting or trucking business, you may need both — and we can quote them together.
Two Local Offices, Ready When You Need Us
We have staffed offices in Derby and Barton, and we serve homeowners across Northern Vermont and into New Hampshire. Whether you're insuring a home in Newport, a farmhouse outside Barton, or a property in Colebrook, we're a phone call away — not a chatbot.