Buildings and contents
Homestead, sheds, workshops and their contents against the defined events in the policy.
Farm Property Insurance
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Farm Property Insurance
Cover for the physical assets spread across the property.
Farm property is far more than buildings. It is kilometres of fencing, water infrastructure spread across paddocks, hay in the shed, grain in silos, chemical and fuel stores and stockyards. Most of it sits well away from the house, unattended, and is valued at whatever number was written down years ago rather than what it costs to replace now.
What is it?
The property sections of a farm policy generally schedule buildings, general contents, fencing, gates, yards, bores, pumps, tanks, troughs, pipelines, silos, fodder and harvested produce, plus chemicals and fuel. Cover is usually written on defined events such as fire, storm, impact, explosion and malicious damage, with accidental damage available on some items. Fencing and fodder frequently sit under their own separate limits.
What does farm property insurance cover?
Fencing, water and improvements
Fencing, yards, bores, pumps, tanks and pipelines, generally under a stated limit.
Hay, fodder and produce
Hay, silage and harvested produce in store, subject to stacking and storage conditions.
What affects the cost?
- Total declared asset values
- Fencing kilometres and material
- Hay and produce stored on site
- Fuel and chemical storage
- Fire and storm exposure
Worth raising on the call
- Hay fires caused by heat build-up in freshly baled fodder are common and usually carry specific stacking conditions.
- Water infrastructure spread across paddocks is easy to forget and expensive to replace after a fire.
- Chemical and fuel storage brings both property conditions and environmental liability questions worth raising.
Claims we are commonly asked about
Hay shed fire from heat build-up
Freshly baled hay heats in the stack and the shed and the season's fodder reserve are both lost. Fodder cover commonly carries specific stacking, moisture and separation conditions, and those are examined closely after a hay fire.
Bore pump and solar array stolen
A remote bore site loses its pump, solar panels and controller overnight, kilometres from the homestead. Theft from unattended sites away from the house usually carries its own limit and its own security conditions.
Chemical shed fire with runoff
A chemical store burns and firefighting water carries residue into a creek on the boundary. The property loss and the environmental liability question are typically handled under different sections with different limits.
Worth confirming in the wording
- Worth confirming the specific limits for fencing, water infrastructure and fodder, since these commonly sit under sub-limits rather than inside the general buildings sum insured.
- Worth confirming what stacking, baling moisture and separation conditions apply to hay and fodder, as these are often conditions rather than general guidance.
- Worth confirming how theft from unattended bores, pump sites and outbuildings away from the homestead is treated, including any security requirements attached.
Common questions
Is fencing covered under farm property insurance?
Commonly yes, but usually under a stated limit rather than at full replacement across the whole property, and often only for defined events such as fire, storm and impact. Gradual deterioration and ordinary repair generally sit outside it. The per-kilometre figure is worth reviewing at every renewal.
How do I value hay and fodder for insurance?
Value it at what it would cost to replace at the time of loss, which in a dry season can be well above what it cost you to produce. Many farms insure fodder at production cost and then find replacement hay is far dearer after a fire. A sum insured that flexes across the season is worth discussing with a broker.
Does farm property insurance cover water tanks, pipes and troughs?
These are generally insurable as part of the water infrastructure or improvements item, though buried pipeline is often treated differently to above-ground plant. Because they are spread across paddocks they are easy to leave off the schedule entirely. It is worth listing them properly rather than assuming they sit inside a general figure.
What does farm property insurance cost?
It depends on total declared asset values, fencing kilometres and material type, hay and produce stored on site, fuel and chemical storage, fire and storm exposure, and the excess chosen. The dominant factor is normally the sums insured, so an accurate schedule matters more than the headline rate.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See farm insurance for the wider picture.
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