Homeowners who don't plan on selling their produce commercially can use their standard homeowner's insurance plan to provide coverage for some of their farming efforts. However, if you plan on selling crops for a profit, you'll need a separate farm insurance plan. While a homeowners plan might help a little, it won't cover farming equipment, which requires special coverage.
Discuss your intentions with our insurance agent to clarify what your homeowner's insurance already covers in terms of farming. If you have a barn or other remote structures used for farming, find out if you need extra coverage. Keep in mind you will need separate farming insurance even if you sell goods for a minimal profit.