Farm Contents

Farm Contents

Cover for contents you use for your farming operations. Includes items like fencing equipment, tools, sprays, animal feed and generators.

If you have baled hay or wool, or seed, grain or harvested stores, you’ll need to specify these on your policy for cover.

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. 

Your farm animals are insured for accidental death or if they need to be put down as a result of a vehicle accident while they’re being transported. This also includes accidents while the animals are being loaded or unloaded, or if they fall from the vehicle. 

We’ll cover up to $3,000 if your frozen or perishable dog food, semen straws, animal vaccines or animal health products are spoiled after a change in temperature of your refrigeration or temperature controlled unit.  If a higher level of cover is needed talk to us about our Refrigerated Goods policy.

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


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