Farm Homes Insurance

At Oegema Nicholson and Associates, we understand running a farm is different from operating any other business. Many Canadian farmers live on the land, raising their families and making a living for generations on end. When you work and live on the same property, a loss can be both personally and financially devastating. Our knowledgeable insurance professionals can help protect your farm’s most valuable assets. Oegema Nicholson is one of the most trusted brokers in the Ontario and Quebec region. If you’re interested in farm house insurance, read on to learn what it entails and what should be covered in your policy.

What is farm house insurance?

Farm house insurance is a blend of both home and commercial coverages. This product is specifically designed to meet the unique needs of Canadian farmers. Like other types of insurance, you can choose how broad or slim you’d like your coverage to be. A basic policy will typically include protection for the residential dwelling and any items within. A good policy will also include a level of commercial insurance. This added layer is designed to protect the farmer’s business activities. For example, plants, shrubs and trees are covered under a standard policy. But if they’re grown for business use, you’ll have to insure them under an expanded policy. Additional coverage options can also include damage to barns or agricultural machinery.

Which items can I include under personal property?

When you live and work at the same place, it can be difficult to determine which items fall under personal or commercial property. Farm house insurance policies will cover personal property directly related to your operation. This section of coverage is typically broken down into three distinct categories.


Animals are integral to the success of your farming operation, so it’s important to protect all livestock. Oegema Nicholson can help you determine which livestock coverage is right for you. Should one of your animals be hurt or killed as the result of a basic, covered peril — your insurance provider will cover the cost of replacing the animal. If you’re interested in extra coverage, livestock can be protected under a much broader list of perils. Some policies will even cover animals that are hit by vehicles or killed in an accidental shooting.

Farming equipment

Cotton pickers, hay rakers and tractors are just some of the pieces you can protect under a farm house insurance policy. Damage to equipment due to theft and vandalism are usually covered. But if your planter was damaged by falling ice, your policy may not cover you for such risk. That’s why it’s crucial to understand which perils are covered under your insurance plan.

Farming Supplies

If you’re like most farmers, chances are you have a significant supply of farm-related goods on site. This supply can include animal feed, bags of soil and grain seed. Should any of these products become lost or damaged, farm insurance will replace their costs. But it’s important to note that farming supplies are only protected when they’re in storage. Once the goods have been opened and used, that product is no longer under insurance protection.

Is liability coverage included?

Not only is liability coverage included in a farm house insurance policy, it’s actually mandatory. Because farming involves heavy machinery and livestock, there is risk involved. Dangerous incidents can happen, no matter how cautious you may be. Liability protection covers you if someone is injured on your property. Should a worker injure themselves while operating a tractor or a visitor get bitten by one of your horses — you could be held liable as the farm’s owner. This is the case even though you didn’t actually cause the incidents. Liability insurance will cover medical expenses, property damage and even legal fees should the injured party decide to sue.

Why trust Oegema Nicholson?

We are proud of the superior customer service we offer our clients. At Oegema Nicholson, our priority is ensuring you have farm coverage that addresses your unique needs. Rely on our expert insurance advisors to connect you with some of the best insurance products available on the market. We don’t work for insurance firms — our brokerage works for you. If you’re looking for an honest adviser that will protect your best interests, choose Oegema Nicholson for all your farm insurance needs. For more information on farm house insurance, call us at 613-224-1455 or contact us here.

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"Just wanted to leave a message for your website that praises Nik Dore for being a constant example of always providing invaluable customer service. I never worry that my questions and concerns will be dismissed or that I am receiving less than constructive advice. Many thanks to him."
"I know all my insurance needs are covered with Oegema, Nicholson & Associates. I have been a loyal client for the last 15 years, and I can count of them for my commercial insurance, employee benefits, as well as my personal insurance and finances. Jeff Richer always goes above and beyond to help me with my insurance needs."
O-Omkar Atwal, Owner, Leitrim Home Hardware
"It’s always a pleasure to deal with Oegema, Nicholson & Associates, and I can depend on them for all my insurance needs. I have been a client for several years and whether it’s regarding my personal insurance, or anything to do with our employee benefits or commercial needs, I know I’m taken care of."
R-Rhonda, Capital Dodge
"I would like to thank Carol for everything she has done for me and my family over the years. It is my honest belief that we would not be in the position we are in if it was not for her guidance, expertise and honesty. We can't begin to thank her enough."
"ONA helps me with my personal insurance and my business insurance . They are my one stop shop when it comes to insurance and group benefits. I know I’m covered in all areas. Great friendly service and knowledgeable staff!"
J-James Carriveau, President, Exact Interlock and Exact Properties
"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."
J-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."
C-Charlene Brunet, President, Dan Murphy Ford
Saul Mendoza (Salty)
Saul Mendoza (Salty)
My broker Bill C. from ONA has helped me over the years now with my vehicle insurance. He is very cautious and detail oriented when processing documentation, and ensures I understand everything whenever there are any changes. He recently helped me cut my premium almost in half just by improving my record and shopping around at the appropriate time. I am grateful to him and the team for being there for me when I need them.
RMP Tutoring
RMP Tutoring
I was assisted recently by Greg, who did a wonderful job in not only answering all of my questions and helping me to review pre-existing insurance plans, as well as advising me to look into my credit card/group insurance before needlessly purchasing more. This to me speaks highly of the character of the employee and business of a whole, and it is certainly the one I will be going to for any future needs.
They get back to you fast an excellent insurance agent
lise sevigny
lise sevigny
Have been with Oegema for over 30 yrs. Always great service!
Jamie C
Jamie C
Friendly, knowledgeable and professional. They take care of all my insurance needs. Commercial, Home and Auto.
Bob Bent
Bob Bent
Great service on both commercial and personal lines.
Jennifer Bardwell
Jennifer Bardwell
I purchased commercial insurance with this company. Very professional service throughout, and a good price on the policy. Would highly recommend!
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Oegema, Nicholson Financial Inc.
1451 Woodroffe Avenue
Ottawa, Ontario K2G 1W1
5526 Manotick Main Street P.O. Box 149
Ottawa, Ontario K2G 1W1
154 Bridge Street P.O. Box 749
Almonte, Ontario K0A 1A0
243 Castor Street
Russell, Ontario K4R 1B8
3-3809 St. Joseph Blvd.
Orleans, Ontario K4A 0Z8
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