Protecting the Heart of Your Farm: Your Home and Livelihood
For many Canadian farmers, your farm is more than just a business – it is the heart of your family. Your home and your farm are deeply connected, which means you need farmowners home insurance that protects your living space and livelihood.
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What is Farmowners House Insurance and Why is it Different?
Farmowners house insurance is a unique blend of residential and commercial coverage designed to optimally protect farmers who live and work on the same property. Unlike traditional home insurance, farm house insurance accounts for both your personal dwelling and business operations.
By combining home insurance and commercial coverage, farmers can ensure that their residence, belongings, and farming activities are covered. This insurance is also tailored to cover farm-specific items, such as barns and structures, equipment, and livestock.
What’s Covered in a Farmowners Home Insurance Policy?
A farm home insurance policy offers comprehensive protection for your home and farm, all based on the size, scope and nature of the farm and its activities.
Here are the basics of what’s covered in a farmowners home insurance policy:
Your Farmhouse and Personal Belongings
The residential structure on your property, such as your home, and your personal property are generally covered for perils like fire, weather damage, and theft. This coverage will normally include furniture, clothing and appliances that you use every day.
Business Use Areas and Farm Structures
Farmowners home insurance will cover the parts of your home used for business purposes. You can ask about extended coverage for outbuildings, garages, barns, storage sheds, workspaces, nurseries, and on-property greenhouses.
Commercial
Components
The commercial components are uniquely covered under farmowners house insurance. This includes the farm supplies that you are storing, agricultural equipment, like tractors and plows, and livestock depending on your policy and coverages selected.
Is Liability Insurance Included for Farm Homes?
Yes—liability insurance is a standard and essential part of any farm home insurance policy.
From heavy machinery to large animals, farming operations carry unique hazards that can lead to injury or property damage. Luckily, farm liability insurance can protect you from many perils:
- Injuries to guests, workers, and service providers
- Damage to the property caused by animals, equipment, and more
- Legal defence cost and medical expenses
Even if you didn’t cause the accident directly, you could still be held responsible as the property owner. Oegema, Nicholson & Associates ensures your policy includes the right level of liability protection—so your home, business, and future are secure.
Why Choose Oegema, Nicholson & Associates for Farm Home Coverage?
We know that your farm is complex, which is why the experts at Oegema, Nicholson & Associates are here to ensure that your farm is covered and your business protected.
We will proudly work on your behalf to find the best coverage, at the best prices, ensuring your interests are protected.
What Our Clients Are Saying
Real stories from people who trust
Oegema, Nicholson & Associates Insurance
“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”
Jennifer Parks, Stittsville, Ontario
“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”
Charlene Brunet, Butler Group of Company
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