*Between 2-100 hectares and turnover of less than $50k p.a.
*Between 2-100 hectares and turnover of less than $50k p.a.
*Between 2-100 hectares and turnover of less than $50k p.a.
*Between 2-100 hectares and turnover of less than $50k p.a.
This is a summary of the eligibility criteria for a Farmstyle Insurance policy along with a summary key covers. Please refer to the Product Disclosure Statement (PDS) for full terms and conditions along with the Target Market Determination (TMD) to ensure this product is right for you.
Quick Note: Except for Motor, Flood cover is not currently available.
LIABILITY (HOME & FARM)
* Mandatory Cover
Horse Riding
Covers your legal liability to pay legal costs and compensation costs because of another person (third party) suffering an injury and/or property damage as a result of horse riding and horse training activities on your farm.
You must meet the following criteria to be able to be eligible for this benefit:
Cover is limited to $5,000,000 during the period of insurance for Horse Riding/Horse Training activities. Cover for horse riding is not available for claim in connection with the optional benefit of Farm Hosting.
Farm Hosting
This option benefit extends your liability cover to your Farm Hosting activities that you hold on your farm. Farm Hosting means that you supply on farm accommodation, meals and/or farm tours to guests for reward or payment. We do not insure Farm Hosting businesses that do not supply their own permanent on farm accommodations. For example, we do not cover Hipcamp sites as a form of Farm Hosting.
HOME PROPERTY
* Mandatory Cover
The main residential structure and its garages, outbuildings, fixtures and sheds so long as they are permanently attached to the main structure. This would also include your pool and pool equipment, but not your pool fencing.
Note: Home Fencing (e.g. around your pool, house or gardens), paths, roads and driveways are not covered under the Home Building. They can be insured separately under Farm Property.
Includes everyday items kept in your home like, cutlery, linen, clothes, electronics, furniture, whitegoods as well as your carpets, curtains, and internal blinds. Home Contents can also include higher value items kept in the home like jewellery, paintings, collections, and sporting equipment however are subject to individual and policy limits. Please refer to the Product Disclosure Statement for full terms, conditions and exclusions.
Covers high-value items insured under home contents when they are away from the home for up to 90 days* This does not usually include everyday carry items like mobile phones or laptops as these are generally covered under the additional benefit of temporary removal under home contents.
*if insured for Accidental Damage
Note: If they are not permanently attached to the home building, they can be insured separately under the farm property section
FARM PROPERTY
Includes the main farming structures on your hobby farm like; Hay sheds, machinery sheds, animal shelters, shearing sheds, stables, workshops or garages.
Cover for harvested grain, silage, fruit, nuts, berries, olives, and other plant extracts whilst stored in an Enclosed building or Silo. It also includes cover for shorn Wool.
Cover for other farm structures (that are not defined as a building) around your hobby farm including Solar Panels, freestanding water/fuel tanks, freestanding livestock yards, freestanding livestock troughs, sealed driveways, power poles etc.
Covers specialised farm equipment like Windmills, pumps, bores, pipes, and irrigation equipment. We can also insure Greenhouses, fabric shelters and trellis equipment.
Hay
Covers feed crop which has been baled, rolled, or stacked like Hay or Silage.
Fencing
Covers all home and farm boundary, internal fencing, shared fencing, gates, and electric fencing (including transformers and energisers). You would also include any home pool fencing under this section.
Livestock
Covers all animals in your home except for your domestic animals or pets (including working dogs). We can cover animals like cattle, horses, sheep, pigs, chickens, alpacas, camels, etc. We cannot insure fish, crustaceans, or any other animals used in aquaculture farming. Cover for livestock is limited to Listed Events such as fire, lightning, impact and storm. Please refer to the Product Disclosure Statement for full details of cover, terms and exclusions.
THEFT OF FARM PROPERTY
Note: This section only applies to 'Farm Property' (Theft of home contents is automatically covered under 'Home Property').
Theft is cover for an unrelated and uninvited person taking your Farm Property without your knowledge, prior consent or agreement with the intent to deprive you of that property.
The theft section is broken down into two sub-sections of cover: Insured Property and Livestock.
This is cover for theft of farm property, for example, farm contents, such as chainsaws, sprays, and portable fencing equipment.
This is cover for theft of livestock, like your sheep or cattle, from your farm. Certain claim limits apply to the theft of livestock:
We will pay the lessor of:
MOTOR
We can insure your private motor vehicle, like your car or ute, for either:
- Comprehensive cover; or
- Third-party, fire and theft cover; or
- Third-party only cover.
We can insure your vehicle for the Agreed Value or Market Value.*
*Underwriting criteria apply
We can insure your farm motor vehicle, like your tractor or quad bike, for either:
- Comprehensive cover; or
- Third-party, fire and theft cover; or
- Third-party only cover.
* We can only insure Farm Vehicles for Market Value
Accident: ✓
Fire: ✓
Theft: ✓
Legal Liability (Your liability to others): ✓
Accident: ✕
Fire: ✕
Theft: ✕
Legal Liability (Your liability to others): ✓
Accident: ✕
Fire: ✓
Theft: ✓
Legal Liability (Your liability to others): ✓
HOME PROPERTY
* Mandatory Cover
The main residential structure and its garages, outbuildings, fixtures and sheds so long as they are permanently attached to the main structure. This would also include your pool and pool equipment, but not your pool fencing.
Note: Home Fencing (e.g. around your pool, house or gardens), paths, roads and driveways are not covered under the Home Building. They can be insured separately under Farm Property.
Includes everyday items kept in your home like, cutlery, linen, clothes, electronics, furniture, whitegoods as well as your carpets, curtains, and internal blinds. Home Contents can also include higher value items kept in the home like jewellery, paintings, collections, and sporting equipment however are subject to individual and policy limits. Please refer to the Product Disclosure Statement for full terms, conditions and exclusions.
Covers high-value items insured under home contents when they are away from the home for up to 90 days* This does not usually include everyday carry items like mobile phones or laptops as these are generally covered under the additional benefit of temporary removal under home contents.
*if insured for Accidental Damage
Note: If they are not permanently attached to the home building, they can be insured separately under the farm property section
THEFT OF FARM PROPERTY
Note: This section only applies to 'Farm Property' (Theft of home contents is automatically covered under 'Home Property').
Theft is cover for an unrelated and uninvited person taking your Farm Property without your knowledge, prior consent or agreement with the intent to deprive you of that property.
The theft section is broken down into two sub-sections of cover: Insured Property and Livestock.
This is cover for theft of farm property, for example, farm contents, such as chainsaws, sprays, and portable fencing equipment.
This is cover for theft of livestock, like your sheep or cattle, from your farm. Certain claim limits apply to the theft of livestock:
We will pay the lessor of:
"A friendly team dedicated to insuring small hobby farms. The quote was significantly less than the other insurer we'd used and had a lot more inclusions. The online quote form was easy to use and clearly demonstrated that Farmstyle understand their client base."
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We currently don't accept Direct Deposit or BPAY.
Check out our FAQs or Contact Us.
WHAT WE DO
Home & Contents
Liability
Farm Property
Theft of Farm Property
Motor (Farm & Private)
This insurance is issued by Ag Guard Pty Ltd t/a Farmstyle Insurance ABN 42 168 502 645 AFSL 480716 (Farmstyle Insurance, we, us, or our), on behalf of the insurer, QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE). In everything to do with Farmstyle Insurance policies issued by QBE, Ag Guard Pty Ltd act as an agent of QBE and not on your behalf. Any advice provided on this site is general advice only and does not take into account your individual needs, objectives or financial situation. Terms, limits, conditions and exclusions apply. Before making a decision, you should carefully read the Product Disclosure Statement & Financial Services Guide (PDS & FSG), and the Target Market Determination (TMD), which are available at www.farmstyleinsurance.com.au to help you decide if the product is right for you. If you purchase a policy, Farmstyle Insurance and FarmStyle Australia Pty Ltd ABN 23 624 767 924 receive a commission, which is a percentage of your premium, and may be entitled to a profit share if certain thresholds are met in agreed periods. Please ask us for more details.
