Farm insurance

Protect your farm and your livelihood.
Speak to an AMP advisor for a farm insurance policy tailored to your unique needs.

At AMP we know that every farm is different, which is why we create tailored farm insurance policies that protect your most important assets. Our Farm & Lifestyle Block insurance offers cover for everything from equipment and livestock to home and contents, and guards you against a range of liabilities.

As an insurance company with 160 years of experience working with New Zealand’s rural community, we know the importance of a dependable yet flexible farm insurance solution is needed to meet the challenges and demands of modern farming.

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Why farm insurance is important

Farmers feed New Zealand and the world. It’s a big job and one that presents a number of challenges. 

AMP Farm & Lifestyle Block insurance offers protection against adverse events that you often won’t have control over. It is crafted specifically for you and your farm, addressing your needs and the unique challenges that you face. It can also protect your personal, non-farming assets, from your home and contents to personal vehicles and boat.

What does farm insurance cover?

We offer a wide range of policies with extensive automatic benefits, plus optional benefits, that can be tailored to your farming needs in a range of situations. These include Farm Asset to cover buildings and machinery, and Farm Animals to cover your livestock. We also offer policies for your Farm Vehicles and Machinery Breakdown.

Cover if your machinery breaks down

Our Farm Machinery Breakdown insurance can help you get things up and running again if your machinery breaks down. The policy provides cover for repair or replacement of damaged machinery as well as temporary machinery hire if we’ve accepted a claim.

Farmer's liability insurance

Farmer’s liability cover is divided into three policies, Farmer’s General Liability, Farmer’s Statutory Liability and Farmer’s Employer’s Liability, covering the different aspects of your legal liability from farming operations. 

Protect what you love about your lifestyle block

With acres of space and all the comforts of home, a lifestyle block can offer a world of choices. You can run it like a small farm, with all the equipment that goes with it, or simply enjoy the peace and quiet of your comfortable country retreat. From home, contents and vehicle insurance, to cover for farm equipment, livestock and liability, let the Lifestyler Home policy take care of it.

Cover for your home, contents, car and boat

Home insurance

At AMP we know that your property isn’t just a farming business – it’s the place you call home. You can choose from two levels of cover—Maxi and Flexi. Whichever option you choose, you can be sure that if your home is damaged, we’ll help get it sorted.

Household Contents insurance

We understand the importance of having contents cover that can go beyond everyday household items. That's why we give you the choice to extend cover to include treasured items of jewellery, sports equipment, technology, and contents located at boarding school. Or if you just need the basics, we have cover options for you too.

Helping you stay on the road

If your car is damaged, we’ll do our best to get you back behind the wheel as soon as possible. Choose your level of cover, from full Comprehensive, Third Party Fire and Theft, or Third Party only.

Boat insurance

If you own a boat or jet ski, we can cover you under our Farm Boat insurance. This can cover accidental damage to your boat, emergency rescue, towing and salvage, as well as legal liability.

Farm & Lifestyle Block insurance policies

Expert medical, mental and wellbeing advice

Through our partnership with Vero (the underwriters of AMP Farm & Lifestyle Block insurance) we're pleased to provide you access Vero Connected Care at no extra cost.

Vero Connected Care gives you access to a network of local and global experts to answer any medical and mental health questions you have, as well as professional nutritional and fitness expert services.

Vero Connected Care is available to you, your partner/spouse, children, parents, and even your parents-in-law at no cost. Register for Vero Connected Care today at

If you have any questions about Vero Connected Care call 0800 425 005, 10am to 7pm. Monday to Friday.

Vero Connected Care services:

Ask a GP

Get answers to your medical question/s from an experienced New Zealand GP, they’ll get back to you with a detailed report within one business day (This is general medical advice only).

Expert Medical Opinion

Need more clarity and confidence on a medical issue? Have a leading specialist review the diagnosis and proposed treatment plan.

Ask a Mental Health Clinician

For general advice and help about mental health, a registered mental health clinician can answer your questions.

Get help with the Mental Health Navigator

Discreet and confidential support from a team of mental health experts from the comfort of your own home.

Nutrition & Fitness Consultant

Have a qualified fitness or nutrition specialist assess your needs one-on-one and get a clear plan of action to make the first step toward achieving your health goals. The specialist will follow-up to check-on your progress.

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Farm insurance FAQs

How much does farm insurance cost?

Every farm is different, which means that every farm insurance policy is different. There are two factors that will determine how much your farm insurance will cost:
- The sum insured you choose.
- The insurance options you select.

How can I save money on farm insurance?

You may be able to lower your premiums by choosing to pay a higher excess. The best way to find out how much your farm insurance may cost is to talk this through with a rural AMP adviser or broker.

Protect your farm and talk to our experienced rural advisers for expert advice, they can help to develop an insurance package that offers the right cover for your needs.

Secure your farm with our Farm & Lifestyle Block insurance

Talk to our experienced rural Advisers for expert advice and to tailor-make insurance to suit your farming needs.

Farm and Lifestyle Block Insurance is underwritten by Vero Insurance New Zealand Ltd. This information is only intended as a guide. Policy limits and exclusions apply. Please refer to the policy wording for full terms and conditions.