Farm Contents

Farm Contents

Cover for contents you use for your farming operations. Includes items like seed, grain or harvested stores as well as tools, sprays, and generators.

What we cover

The FMG Farm Contents policy automatically includes these covers and benefits.

Covers your contents if they are damaged or destroyed by a sudden, unintended and unforeseen event, or if they’re stolen.

There’s also the option of limiting your accidental loss cover to the causes noted in the policy. Check out the policy wording for a list of these defined events.

Covers up to $10,000 for reasonable additional costs to continue running your farm if there’s a disruption following a loss to your farm buildings or contents. If a higher level of cover is needed talk to us about our Business Interruption policy. 

We’ll pay your estate $5,000 in the unfortunate event of your death as a result of a fire at, or an intruder to, your farm building. If you suffer one of the permanent injuries listed in the policy then we’ll pay up to $5,000, depending on the type of injury. 

We will review your sum insured amount at renewal and make an adjustment for inflation if it is needed.

Money earned through your farming operations is covered for up to $1,000 for loss due to fire, natural disaster, or burglary. 

These items are covered for accidental loss while they’re in transit if it’s a result of a vehicle accident, damage while loading or unloading, or the goods falling off the vehicle. 

If you offer a reward to protect or recover your farm contents following a loss covered by this policy, we’ll pay up to $5,000. Note, our consent is required.

If your farm contents are under threat from fire we’ll pay up to $5,000 to cover reasonable action you’ve taken to protect your property. 

Optional extras

You can purchase these Optional Benefits for even more comprehensive insurance.

Cover for damage to your farm contents caused by an earthquake, volcanic eruption, tsunami, hydrothermal activity or landslip.

Covers your loss of profits up to $10,000 for interruption to your farming operations if damage to property, roads or bridges nearby is preventing access to your farm.   

What we pay

You can choose from two levels of cover - Present Day Value or Nominated Replacement.  

Repair or replacement of your farm contents to the same condition they were in just before the loss, think of it as similar to a second hand value. 

Repair or replacement of your farm contents to the same condition as when they were brand new.

Download policy

Please note this is only a summary of the product and is subject to our specific product documentation. For full details please download the policy wording using the link below, or you can get a free copy by calling us on 0800 366 466.

 

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