Farm Assets

State Farmpack Assets cover protects farm assets such as buildings, plant, equipment, farm supplies and agricultural produce – whether you own it or are responsible for it.

Your policy covers:

• repair or replacement of farm assets if they’re accidentally and suddenly lost or damaged
• farm assets insured for their replacement value, although cover may be restricted to indemnity value for some items
• an extension to cover contamination or spoilage of milk
• an extension to cover the burning out of electric motors located above ground
• disaster damage from earthquake, volcanic eruption, hydrothermal activity or tsunami.

Please note that the following items are not considered farm assets and are not covered.

• Your private dwelling(s) and their contents (you’re welcome to insure these under our Homeowners and Home Contents policies).
  
• Any animals or birds (they’re covered under State Farmpack Livestock cover).

For more information, to get a quote or to arrange your cover, please call us on    0800 80 24 24.

Important - This information is only a summary so please read your policy wording thoroughly.

Farm Interruption

The interruption of activities on your farm due to damage to your farm buildings and other assets can mean loss of income.

State Farmpack Interruption insurance enables you to keep your business going by covering your increased operating costs while your property is being restored following damage.
 
You’re automatically covered for disaster damage from earthquake, volcanic eruption, hydrothermal activity or tsunami.

State Farm Interruption is only available if you take out State Farmpack Assets cover.

For more information, to get a quote or to arrange your cover, please call us on    0800 80 24 24.

Important - This information is only a summary so please read your policy wording thoroughly.

Farm Vehicles

State Farmpack Vehicle cover offers comprehensive protection for farm vehicles and their associated implements

- including the standard tools supplied by manufacturers, accessories and spare parts. You’re covered for loss, damage and theft as long as you’re responsible for the vehicles and use them for your business.

Your policy covers:

• repair or replacement of your farm vehicles and associated implements if they’re lost or accidentally damaged
• accidental damage to vehicle tyres
• damage to your windscreen or windows - and you won’t have to pay any excess
• your legal liability for injuries to other people, up to $2 million (including costs and expenses)
• Your legal liability for damaging someone else’s property, up to $20 million (including costs and expenses
• transportation costs, up to $1,000
• manslaughter defence costs, up to $2,000
• the costs of removing debris, up to $5,000
• disaster damage from earthquake, volcanic eruption, hydrothermal activity or tsunami.

Please note that Farm Vehicles insurance doesn’t cover vehicles registered or licensed as private cars – you’re welcome to insure these with State Private Motor Vehicle insurance.
 

For more information, to get a quote or to arrange your cover, please call us on    0800 80 24 24.

Important - This information is only a summary so please read your policy wording thoroughly.

Farm Liability

Your policy covers:

• your legal liability if someone else’s property is damaged, or if your employees or the general public are injured by any activity in connection with your farm
• any fines and penalties imposed if you breach your legal responsibilities under the Building Act and the Resource Management Act
• your legal costs in fighting fines and penalties imposed by breaches of particular sections of the Health and Safety in Employment Act.

For more information, to get a quote or to arrange your cover, please call us on    0800 80 24 24.

Important - This information is only a summary so please read your policy wording thoroughly.

Farm Livestock

State Farmpack Livestock cover insures farm livestock and working dogs that are owned and used by you for your farming business.

Choose from two insurance options:

1. Cover specified livestock for their deaths from specific causes. This is ideal for your most valuable animals, such as bulls.

2. Cover all your livestock (animals and birds) for death caused by fire, lightning,  electrocution, accidents to the equipment being used to transport them, and stock harassment by dogs not owned or used by you.

You’re automatically covered for disaster damage from earthquake, volcanic eruption, hydrothermal activity or tsunami.

For more information, to get a quote or to arrange your cover, please call us on    0800 80 24 24.

Important - This information is only a summary so please read your policy wording thoroughly.

Farmer's Income Protection

State Farmer’s Income Protection Cover provides a set weekly amount to keep your farm going if you can’t because of poor health or injury.

Your policy covers:

• a set weekly amount if you’re injured or become ill and are temporarily unable to work
• a lump sum if you have an accident in which you die or become permanently disabled
• up to $5,000 in medical expenses you can’t claim from any other insurer (such as ACC or medical insurance) if you’re ill or injured and unable to work, or permanently disabled.

For more information, to get a quote or to arrange your cover, please call us on    0800 80 24 24.

Important - This information is only a summary so please read your policy wording thoroughly.

Farm Machinery Breakdown

If your farm relies on machinery, State can help you to protect yourself against breakdown.

Your policy covers:

• repair or replacement of any mechanical, electrical or electronic plant or equipment (not including motor vehicles) used on your farm that accidentally and suddenly breaks down
• any un-repairable machinery that’s less than five years old is insured for replacement value.

For more information, to get a quote or to arrange your cover, please call us on    0800 80 24 24.

Important - This information is only a summary so please read your policy wording thoroughly.