Farm Insurance for Vermont Operations Large and Small

Built For Vermont Agriculture

Farm insurance Franklin County and beyond

Farming in Northern Vermont is a way of life. Whether you milk in Berkshire, tap sugar maples near Richford, or run a small market garden outside Morrisville, you need practical coverage that keeps work moving. Hull Insurance Agency assembles farm insurance to protect your dwelling, barns, livestock, equipment, and the income your family depends on.

What A Farm Policy Can Include

Comprehensive farmowners coverage

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Farm dwelling and structures

Coverage for your farmhouse, attached structures, and farm buildings like freestall barns, parlors, equipment sheds, silos, and sugarhouses.

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Farm personal property comprehensive

Protection for tractors, skid steers, implements, tools, harvested crops, hay, and maple syrup inventory.

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Livestock coverage

Options for cattle, horses, and other livestock for named perils or broader coverage depending on your needs.

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Farm liability

Protection if a visitor is injured on the farm, if your operations cause property damage, or if a product you sell causes illness.

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Business income and extra expense

Helps replace lost income and pay extra costs to resume operations after a covered loss.

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Optional endorsements

Peak season coverage for fluctuating inventory, equipment breakdown for critical systems, farm pollution liability, and more

Programs For Local Specialties

Dairy, maple sugaring, crops, and hobby farms

Dairy farms need the right blend of building, equipment, and liability coverage. Maple producers often insure sugarhouses, evaporators, tanks, and finished syrup. Row crop and hay operations can protect stored feed and implements. Hobby farms and homesteads get scaled coverage that still handles livestock and roadside sales. Hull Insurance Agency helps you pick what matters most for your operation, from Enosburg Falls to Newport and the wider Northeast Kingdom.

Why Farmers Choose Hull

Independent guidance from neighbors you know

You get a dedicated commercial and farm specialist who understands Vermont weather, rural properties, and the reality of running a farm through long winters. As an independent agency, we compare multiple carriers to keep premiums competitive while maintaining strong protection. Many families in Franklin County trust Hull Insurance Agency because we answer the phone, explain options clearly, and help when a claim happens.

Questions We Hear From Vermont Farmers

 FAQ for farm insurance

  • What is included in a farmowners policy

    A farmowners policy blends elements of home and business insurance. It can cover your farmhouse, barns, equipment, livestock, and liability arising from farm operations. Business income coverage helps replace revenue after a covered loss. We tailor each part to your operation, from dairy to maple to small specialty farms.

  • How do I insure tractors, implements, and tools

    Farm personal property coverage lists scheduled and blanket items for equipment on and off premises. We can add inland marine for mobile equipment that moves between fields or travels on public roads. Accessories like loaders or GPS units can be scheduled for clarity. Together we will build a list that reflects real replacement costs.

  • What about liability for farm stands or agritourism

    Selling products or hosting visitors changes your liability profile. We can extend or add coverage for farm stands, pick-your-own, tours, or seasonal events. Clear descriptions of activities help ensure proper protection. Hull Insurance Agency will ask the right questions and adjust limits before the season begins.

  • Do small or hobby farms qualify for coverage

    Yes, there are policies designed for part-time or small-acreage operations. Coverage scales to your buildings, animals, and revenue. Even a few head of cattle or a roadside egg stand can create liability exposure. We will right-size protection so you are not paying for coverage you do not need.

  • Can employees and seasonal helpers be covered

    If you have employees, Vermont workers compensation may be required. We can place workers comp and coordinate it with your farm policy. Volunteers and family help raise unique questions that we will review with you. Our goal is to keep people safe and your farm compliant with state rules.