Farm & Rural
Homestead, sheds, machinery, livestock, crops and farm liability — written by people who get the cash cycle.
Farm cover brings the whole operation into one program — the homestead and sheds, machinery and equipment, livestock and crops, and the liability that comes with running a property. It's written by people who understand that a farm's cash cycle and its risk cycle are the same thing, and structured so the cover is there at seeding and at harvest.
What it typically covers
- Homestead & farm buildings
- Contents & farm equipment
- Mobile machinery & harvesters
- Livestock (accident, disease, transit)
- Hay, fodder & grain
- Crop (fire & hail, where available)
- Farm & broadform liability
- Motor & fuel storage
- Fencing & water infrastructure
- Business interruption for the farm
Who it's for
Broadacre and mixed farms, graziers and croppers, hobby and lifestyle blocks, and rural businesses with plant and stock.
Claims examples
How the cover responds in real situations.
A header catches fire mid-harvest.
How the cover responds: Machinery cover funds the repair or replacement, and the crop it was cutting is assessed under the program.
A grass fire runs through fencing and a hay shed.
How the cover responds: The property sections cover the shed and the fodder inside it, and the fencing is rebuilt.
A truck of livestock rolls in transit.
How the cover responds: The livestock-in-transit section responds to the stock lost in the accident.
What to watch
Machinery values current before harvest; livestock and fodder declared at the right time of year; the liability limit for public access and agistment; and how flood and fire are treated for crops.
How Stonewell places it
We build the program around the season, place it with rural-specialist insurers, and stay reachable when a loss can't wait for business hours.
Ready to sort your cover?
Tell us how you operate and we'll place it across our panel — or if something has already gone wrong, lodge a claim and we'll take it from there.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.