Insurance for Hobby Farms: Questions to Ask Your Insurance Agent

Starting a hobby farm can be a joyful and rewarding experience, providing you with the opportunity to learn new skills and literally grow something from the ground up. However, your hobby farm may also represent a significant financial investment and could even include risks and exposures involving others. Even such an enjoyable and seemingly casual hobby may require insurance. Fortunately, the team at Don Ramatici Insurance is here to help answer your questions.

What Is Hobby Farm Insurance?

Hobby farm insurance will likely not be available as a named product from most insurance companies. Rather, this term generally refers to the various coverages and policies you may package together to cultivate suitable loss control measures and risk management.

What Is Classified as a Hobby Farm? 

Hobby farms are typically defined as ventures that do not serve as your primary source of income. However, the exact definition of a hobby farm for insurance purposes may vary by carrier, so it’s important to have comprehensive and regular discussions with your agent to ensure you are adequately covered.

What Kinds of Insurance Do I Need for a Hobby Farm?

While hobby farms may not require the same coverage as their commercial counterparts, they may still require you to secure enhanced coverage. In many cases, your homeowners insurance may not cover a hobby farm, even if operations are solely contained to your property. Additional coverage, such as for equipment and tools, structures used specifically for your farm (e.g., barns and chicken coops) and liabilities (e.g., someone getting sick from eggs or honey you may distribute), may be necessary.

How to Get Insurance for a Hobby Farm Near Petaluma, CA

At Don Ramatici Insurance, we proudly serve farmers, homeowners and families in Petaluma, California, and throughout the North Bay area. Our team of knowledgeable and experienced agents will help you identify your insurance needs and secure the right coverage. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.