Dwelling & Outbuildings

Your hobby farm policy provides coverage for your primary residence, barns, sheds, workshops, and other structures on your property. Unlike standard homeowners insurance, hobby farm coverage recognizes the dual residential and small-scale agricultural use of your property.

This coverage typically includes protection against fire, wind, hail, lightning, and other perils that could damage these structures.

Small Equipment & Tools

Coverage for your small tractors, ATVs, mowers, tillers, and hand tools used in your hobby farm operations. This protection extends to these items while they’re on your property or temporarily removed for repairs.

Hobby Livestock

Protection for your small herds of livestock, poultry, horses, or other animals against injury, death, or theft. Unlike commercial livestock policies, hobby farm insurance typically covers smaller numbers of animals kept for personal use, pleasure, or small-scale production.

Coverage limits may apply based on the number and type of animals, so it’s important to discuss your specific needs with your broker.

Farm Liability Coverage

Crucial protection if you are liable for injury to visitors or damage to others’ property related to your hobby farm. This coverage extends to incidents involving your animals that might wander onto neighbouring properties.

Farm liability insurance is essential because it helps protect you from financial losses that may occur due to accidents involving visitors or neighbouring properties.

Voluntary Firefighting Coverage

Voluntary firefighting coverage protects you from expenses incurred when voluntary fire departments respond to a fire on your property. In rural Saskatchewan, multiple departments may respond, each charging $900 to $1200 per hour for their services.