Farm Insurance Online :: Calculators

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Farm Insurance Online Farm Insurance Calculator

Estimate your farm insurance needs with our Farm Insurance Calculator. Establish the right levels of cover to protect your agricultural business and your financial livelihood.

Farm Insurance – Sum Insured Calculator

This tool helps tally the replacement value across common farm sections so you don’t underinsure. It totals categories like buildings, machinery, fencing, irrigation, livestock and produce, then outputs a neat JSON summary you can include with your quote request.

Primary enterprise

Property location / postcode

GST treatment Commercial policies generally use ex-GST sums insured where input tax credits apply.

Financier (optional)

Farm buildings & improvements

Sheds, workshops, shearing sheds, haysheds, dairies, cool rooms, chemical stores, windmills, tanks. Exclude the home (usually on Home/Contents)

Machinery & plant

Tractors, headers/combines, sprayers, seeders, balers, augers, generators, pumps. Farm Motor items may sit on a separate section

Fencing & yards

Boundary fencing, internal paddock fencing, gates, stockyards. Consider per-kilometre replacement where relevant.

Irrigation & water infrastructure

Irrigators, pivots, pumps, bores, tanks, troughs, pipe runs, dams, controllers, solar bore pumps.

Livestock

Use head count × value per head. Separate classes/ages if needed. Note: Some policies cover specified animals vs. blanket. Check wording.

Hay, grain & produce (on-farm)

Hay/silage, stored grain, seed, fertiliser, chemicals, fuel (consider storage tanks).

Portable tools & equipment

Toolkits, welders, chainsaws, portable pumps, pressure washers. Often under General Property – check limits.

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Farm Insurance Articles

Safeguarding Your Harvest: The Importance of Crop Insurance

In the ever-unpredictable world of farming, crop insurance emerges as a pivotal ally for farmers, hedging against the myriad of risks that come with cultivating the land. As the first step to understanding this crucial safeguard, let's unfold the question: What is crop insurance, exactly? In essence, crop insurance is a type of cover designed to cushion farmers from financial losses due to unavoidable circumstances such as adverse weather conditions, pests, disease, or even market fluctuations. - read more

Comparing Insurance Policies: Finding the Best Coverage for Seasonal Farming Risks

Welcome to our detailed guide on comparing insurance policies for seasonal farming risks. If you're a rural farm owner, you understand the unique challenges that come with each season. This article aims to help you find the best coverage to protect your livelihood. - read more

Unpacking the Fine Print: Common Misunderstandings in Farm Insurance Policies

Welcome to our discussion on farm insurance, a crucial subject for every Australian farmer. Whether you're seasoned in agricultural ventures or just starting out, the world of insurance can often seem daunting and complex. - read more

New Technologies in Crop Protection: How Precision Agriculture Enhances Insurance Coverage

For generations, farmers have faced the challenge of protecting their crops from an array of threats, such as pests, diseases, and extreme weather. Traditional crop protection strategies have relied heavily on blanket approaches, as in using widespread pesticide application, or generalized irrigation systems, regardless of the varying needs across a field. While these methods have had their successes, they also come with limitations in efficiency, environmental impact, and the precision needed for optimal crop health and yield. - read more

The Rural Farmer’s Handbook to Affordable Farm Insurance

As a rural farmer, protecting your livelihood should be a top priority. Farm insurance is crucial because it safeguards your investment and income against unforeseen events such as natural disasters, accidents, and theft. - read more

Insurance News

Amid Surging Profits, The Insurance Sector Faces Public Perception Hurdles

02 Oct 2025: Paige Estritori

The general insurance industry's after-tax profits rose significantly to $7.3 billion last financial year, marking its strongest performance in over a decade, according to actuarial group Taylor Fry. This impressive outcome was driven by lower-than-expected losses from catastrophes and robust investment returns. The previous year's figures, limited by accounting changes affecting data availability, saw comparable profits for nine months rising by 33% to $5.2 billion. - read more

Insurers Urged to Address 'Climate-Blind' Coverage

01 Oct 2025: Paige Estritori

The recent release of the first National Climate Risk Assessment provides stark evidence that climate risk is on the rise, particularly affecting regional Australia. The assessment highlights a significant issue within the insurance sector: a knowledge gap in the visibility of rural insurance portfolios. Insurers are often unaware of the full extent of assets needing protection, leaving portfolios underinsured and risks improperly priced. This gap is exacerbated by increasing climate volatility, presenting a formidable challenge for the sector. - read more

Surge in Mental Health Claims Puts Pressure on Australia's Insurance Industry

29 Sep 2025: Paige Estritori

Australia's life insurance sector is facing unprecedented challenges as mental health conditions have become the leading cause of total and permanent disability (TPD) claims. Recent data from the Council of Australian Life Insurers (CALI) reveals that mental health issues now account for nearly one-third of all TPD claims paid out. - read more

Rest Super Faces Class Action Over Alleged Wrongful Deduction of Income Protection Premiums

29 Sep 2025: Paige Estritori

Shine Lawyers has initiated class action proceedings in the Federal Court against Rest Superannuation, alleging that the fund wrongfully deducted income protection premiums from members' accounts between December 2008 and June 2019. The lawsuit claims that up to 500,000 Rest members may have been affected by these deductions. - read more

ASIC Initiates Legal Proceedings Against RACQ Insurance for Alleged Misleading Premium Notices

29 Sep 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has commenced Federal Court proceedings against RACQ Insurance, a subsidiary of Insurance Australia Group (IAG), alleging that the insurer misled over 570,000 customers through deceptive premium comparison figures in renewal notices issued between September 2019 and December 2024. - read more

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Knowledgebase

Insurance Claim:
Notification to an insurance company requesting payment of an amount due under the terms of the policy.

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