Farm Buildings

Farm Buildings

Cover for your farm buildings including implement or tool sheds, pump sheds and fixed machinery. 

Then there are things like culverts and underpasses, farm fencing and underground pipes, which aren’t part of a farm building but can still be covered under this policy so remember to talk to us about what to include.

What we cover

The FMG Farm Buildings policy automatically includes these covers and benefits:

Covers your farm buildings if they are damaged or destroyed by a sudden, unintended, and unforeseen event. 

There’s also the option of limiting your accidental loss cover to defined events listed in the policy wording. Check the policy for the full list. There is no difference for the cover of additional benefits between accidental and defined events.

Cover for additional farm buildings you buy or build, alterations or improvements to existing farm buildings once completed. You need to let us know within 30 days of purchase or completion and pay any extra premium, cover is for present day value up to $50,000. 

Cover up to $5,000 towards the cost of refilling your fire fighting equipment after it’s been used to protect your farm building from an event covered by this policy.    

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 this Optional Benefit for even more comprehensive insurance.

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

What we pay

You can choose from three levels of cover – Present Day Value, Replacement Value or Nominated Replacement.

Covers the reasonable cost to repair or rebuild your farm building to the same condition it was in before the loss, up to the sum insured. This option takes into account the age and condition of the building. 

Covers the reasonable cost to repair or rebuild your farm building to an as new condition. 

Covers the reasonable cost to repair or rebuild your farm building to an as new condition, limited to the amount shown on your certificate (the sum insured). 

We will also pay up to $5000 for the reasonable cost of necessary earthworks to land adjoining your farm bridge, underpass is specified culvert when we are paying to repair the item.

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 wordings using the links below, or you can get a free copy by calling us on 0800 366 466.


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