Bespoke farm and estate cover that works for you

Why choose Howden for rural insurance?

Here at Howden, when it comes to getting you your rural insurance, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of insurers, we make the process of comparing multiple rural insurance policies, on your behalf, simple, easy, and straightforward. What’s not to like?

As an experienced insurance broker, we also understand that each rural policy needs to be as individual as its owner and their farm, and that’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your cover.

Ultimately though, whether you need to make a claim, purchase a new rural policy, or renew an existing one, just know that we’re here to help.

Benefits of choosing Howden:

• You can trust us – we’re rated Excellent on Trustpilot
• We’re driven to save you time, money, and hassle
• Benefit from a tailored service that comparison sites can’t provide
• Speak to a rural insurance expert
• We’re right by your side in the event of a claim

What is rural insurance?

Rural insurance is a specialised type of insurance designed to meet the unique needs and risks faced by individuals, families, and businesses operating in rural areas, particularly those involved in agriculture and related industries.

Unlike standard insurance policies, rural insurance takes into account the specific challenges of farming, livestock, rural property, and the varied activities that often occur on farms and estates. It aims to provide financial protection against a wide range of potential losses, from natural disasters affecting crops and livestock to liability issues arising from farm operations or public access to land.

This type of insurance typically offers comprehensive coverage that can include farm buildings, machinery, and equipment, as well as livestock (against death, illness, or theft). It often extends to various forms of liability, such as public liability if someone is injured on the property, employer's liability for farm workers, and even environmental liability for potential pollution. Additionally, rural insurance can cover specialised risks like crop damage due to weather, loss of produce, and even the protection of diversified farming activities like wedding venues, glamping sites, or renewable energy installations on agricultural land. Policies are often tailored to the specific needs of each farm or rural business, recognising that no two operations are exactly alike.

Need to speak to an expert? Click the Get a Quote button above or give us a call on 03301 652 726.