Elders Farm Insurance

Elders Insurance has a long history of providing financial protection to rural and regional Australians.
Elders Insurance has a wide range of farm insurance options to choose from so you only need to pay for the cover that you need.

Ready to compare policies?

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Product	Fire, Smoke or Explosion	Replacement of locks and keys	Illegal use of credit card or financial transaction card	Items of jewellery, gold or silver articles, furs, watches	Valuables Cover
Elders Farm Home & Contents Insurance Insured Events Option		$2,000	$5,000	$10,000 per item & 25% of the sum insured for unspecified contents.	Optional	Get quote View details Compare	loading Fetching your data...
Elders Farm Home & Contents Insurance Accidental Damage Option		$3,000	$7,500	$10,000 per item & 25% of the sum insured for unspecified contents.	Optional	Get quote View details Compare	loading Fetching your data...

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Product	Theft	Accidental damage	Locks and keys	Removal of vehicle debris	Towing costs
Elders Farm Vehicle Comprehensive Cover			$5,000	$20,000		Get quote View details Compare	loading Fetching your data...
Elders Farm Vehicle Third Party Property Damage			$0	$0		Get quote View details Compare	loading Fetching your data...

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Product	Mobile machinery	Unspecified mobile machinery	Buildings	Contents	Fences
Elders Farm Property Cover						Get quote View details Compare	loading Fetching your data...

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Product	Property in your physical and legal control	Farm hosting	Aerial spraying
Elders Farm Liability Cover	$500,000 for buildings $10,000 per animal	Optional	Optional	Get quote View details Compare	loading Fetching your data...

What types of cover does Elders Insurance offer?

Elders Insurance policy provides a variety of cover that protects commercial farm operators and lifestyle farms. Here are a few things you can get cover for:

Home

Home cover provides protection for your home and belongings from insured events or accidental damage. Some other benefits include:

Cover for fusion of electric motor
Limited cover for illegal use of credit cards
Personalise you cover for contents away from home
Cover for temporary accommodation while your home is repaired

Farm property

You can personalise you cover to choose which farm assets to insure including livestock, hay, sileage, grain and fencing for fire. Buildings, contents and machinery can be covered for fire, storm and accidental damage.
You can choose to insure increased costs following a loss such as buying in Hay if pasture is lost or hiring machinery to complete harvesting, spraying or sowing.

Replanting trees
Fire prevention and extinguishment costs
Employees belongings cover

Farm liability

Farm Liability cover provides protection for claims made on you by other people, arising out of your farm business. Some of the additional and optional benefits include:

Farm hosting (optional)
Aerial spraying (optional)

Farm vehicle

Provides protection in case any of your motor vehicles used in your farming business are accidentally or maliciously damaged, stolen or involved in any accidents. Some of the additional benefits include:

Hire vehicle costs following theft
Removal of vehicle debris

You can choose to insure for third party property damage only cover.

Crop

Elders Insurance also offers crop insurance. This protects you should hail, fire, transit, storage or broadacre loss.

Want to know more about farm insurance? You can find more information here.

What's not included in an Elders Insurance farm policy?

These are the things that are not covered by the Elders Insurance farm policy. To find out exactly what these are, refer to the general exclusions and specific exclusions in the product disclosure statement (PDS). Some of the general exclusions under the Elders Insurance policy include:

Any loss or damage resulting from war or terrorism.
Any intentional damage by you, a member of your family or a person acting with your consent.
Any loss or damage caused by flood or action of sea water.

Any liability to provide cover, pay any claim or provide any benefit that breaches any sanctions, prohibitions, or restrictions under United Nations resolutions or any other applicable trade or economic sanctions.
Any loss caused directly or indirectly by inhalation of exposure to or presence of asbestos.

There are also policy conditions, excess and limits/sub-limits on covers and additional benefits.

Make sure you read the PDS

2022 Finder research shows that 23% of Australians can't be bothered reading the PDS. For a full list of exclusions see the Elders Insurance Farm Policy PDS.

How to make a claim

If you need to make a claim, you can speak to the local Elders Insurance agent that has been assigned to you. The name of your Elders Insurance agent can be found on your insurance schedule, as will their contact details. They will put through your claim for you personally. If you're unsure who your local agent is, you can find them here.

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Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 607 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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Elders Farm Insurance