Rural Insurance
Core Rural Covers
What it covers:
This insurance protects your rural home — whether it’s the main farm dwelling or a lifestyle block residence — along with optional cover for contents, outbuildings, and selected farm infrastructure. It covers loss or damage from events like fire, storms, theft, and accidental damage.
How it responds:
If your rural home or belongings are damaged or destroyed, the policy helps pay for repairs, rebuilding, or replacing your contents. You can also include cover for things like sheds, fencing, water systems, and limited farm tools.
Who it protects:
- Lifestyle block owners living on small rural properties
- Farmers with a home on their working farm
- Anyone wanting to protect their rural dwelling and possessions from unexpected events
What it covers:
Farm Assets Insurance protects the valuable physical property on your farm, including buildings, machinery, livestock, fences, irrigation systems, and other essential farm infrastructure from loss or damage caused by fire, storms, theft, accidental damage, and more.
How it responds:
If your farm assets are damaged or destroyed, the policy helps cover the cost of repair or replacement, allowing your farming operations to continue with minimal disruption.
Who it protects:
- Farmers and rural property owners
- Those relying on machinery and infrastructure to run their farm efficiently
- Anyone wanting to protect their investment in farm equipment and buildings
What it covers:
Farm Vehicle Insurance protects the vehicles used in your farming operations, including tractors, utes, quad bikes, motorbikes, harvesters, and other farm machinery, against accidental damage, fire, theft, and liability for damage caused to others.
How it responds:
If a farm vehicle is damaged, stolen, or involved in an accident, this insurance helps cover the cost of repairs or replacement. It also includes liability cover if the vehicle causes injury or damage to someone else’s property.
Who it protects:
- Farmers and rural contractors with vehicles essential to daily operations
- Farm owners who need protection for on- and off-road use
- Anyone looking to minimise downtime and repair costs after an accident
What it covers:
Farm Liability Insurance protects you if your farming operations accidentally cause injury to someone or damage to their property. It includes cover for legal costs and compensation if you're held legally responsible. This may also include cover for liability arising from farm vehicles, contractors, stray animals, or environmental damage (like spray drift).
How it responds:
If someone is injured on your property or their property is damaged due to your farming activities, this insurance helps cover legal defence costs and any court-awarded damages or settlements.
Who it protects:
- Farm owners and operators
- Sharemilkers, contract milkers, and lifestyle block owners
- Anyone wanting to safeguard their farm from unexpected legal claims
What it covers:
Farm Business Interruption Insurance provides financial support if your farming operations are disrupted due to an insured event — such as a fire, storm, or equipment failure — that affects your ability to trade or generate income.
How it responds:
If your farm can't operate normally, the policy helps cover lost income and ongoing costs like wages, loan repayments, and feed expenses. It helps you maintain cash flow while repairs or recovery are underway.
Who it protects:
- Dairy, livestock, cropping, and horticultural farms
- Farmers reliant on continuous production to maintain income
- Anyone wanting financial stability while recovering from unexpected setbacks
What it covers:
Rural Key Person Insurance provides financial protection if a vital member of your farming operation — such as a farm owner, manager, or skilled worker — becomes seriously ill, injured, or passes away. It helps cover the cost of temporary labour, lost productivity, or business disruption.
How it responds:
If your key person is unable to work, the policy pays out a lump sum or regular benefit to help keep the farm running — covering extra wages, operational costs, or temporary replacement staff.
Who it protects:
- Family farms and agribusinesses reliant on specific individuals
- Farmers wanting to reduce risk around succession or staff availability
- Rural businesses needing stability through unforeseen disruptions
Rural Insurance FAQ
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