Practical Protection For Rural Life
Whether you’re running a full-scale farming enterprise or maintaining a hobby farm on the weekend, protecting your land, equipment, and livelihood is essential. At Bunker Insurance, we provide tailored farm and machinery insurance solutions designed to address the unique risks of rural and agricultural operations across Australia.
Built For Australian Farms
Australia’s diverse rural landscape demands flexible insurance options. From machinery breakdowns to weather-related damages and livestock losses, we help ensure your operation continues to run smoothly when the unexpected happens. Our team works with a trusted panel of insurers to match you with cover that suits the scale, type, and location of your property.
HOBBY VS COMMERCIALFARMS
Farming looks different for everyone. That’s why we distinguish between full-time agricultural businesses and part-time or lifestyle hobby farms.
commercial farm insurance
Designed for larger farming operations, this type of insurance typically includes higher coverage limits and broader liability protection.
It also offers more comprehensive cover for crops, farm machinery, and business interruption due to unexpected events.
Hobby farm insurance
Ideal for smaller, lifestyle-based properties, hobby farm insurance includes scaled coverage for property, equipment, and livestock.
It also offers liability protection for animal interactions or public access, with optional cover for machinery breakdown and loss of income.
Why Bunker forFarm insurance?
Tailored Solutions
Every farm is different. We ask the right questions to understand your property and operations before recommending options that fit your risk profile and budget.
Hobby farm insurance
As brokers we can help you by comparing policies across the market to ensure you have the right cover, while securing competitive premiums, and supporting you through the claims process from start to finish.
Rural Understanding
We understand the lifestyle and challenges of running rural businesses. Our advice is practical, grounded, and focused on giving you coverage that works when you need it most.
Claims & Support
From storm damage to equipment failure, we know that speed and clarity are critical when you need to make a claim. Our in-house claims team will guide you through the process and advocate for your best outcome.
WHAT WE CAN COVER
Whether you operate a large-scale commercial farm or a smaller hobby property, we tailor protection to fit your needs.
Common Inclusions:
Farm Buildings – Cover for homes, sheds, barns, and other structures.
Machinery Breakdown – Protection for tractors, harvesters, pumps, and other critical equipment.
Livestock & Animal Mortality – Financial protection in case of illness, injury, or loss of insured animals.
Farm Contents – Includes tools, supplies, and household contents used in farm operations.
Liability Protection – Covers injury or property damage to third parties on your property.
Crop or Pasture Loss (where applicable) – Protection from certain weather or event-based losses.
OUR FARMINSURANCE partners
FREQUENTLY ASKED
QUESTIONS
What is a hobby farm for insurance purposes?
An insurance-defined hobby farm is typically a smaller property operated for personal enjoyment, not as a primary source of income. It may involve raising animals, growing produce, or a combination of both.
Do I need insurance for my hobby?
While not legally required, hobby farm insurance is highly recommended. It protects against property damage, liability claims, and animal loss—helping you preserve what you’ve worked hard to build.
Do I need an ABN for a hobby farm?
If your hobby farm is for personal use and not a significant source of income, an ABN typically isn’t required. For any commercial activity or revenue generation, it’s best to seek tax advice.
What insurance covers hobbies?
General home insurance may offer limited coverage, but for property with animals, equipment, and public access, dedicated hobby farm insurance is the most suitable option.
How is hobby farm insurance different?
Hobby farm insurance is designed for smaller-scale operations and lifestyle properties. It typically includes cover for structures, animals, and basic liabilities, with flexible options depending on your setup.
What types of machinery can be insured?
We can arrange cover for tractors, harvesters, irrigation pumps, quad bikes, slashers, sprayers, and other operational machinery.
What’s the difference between a broker and a direct insurer?
A broker compares policies across insurers to find the best value and fit for your needs. Direct insurers offer their own set products. Working with a broker gives you access to broader choices and claims support.
Do you offer cover nationwide?
Yes, we support farms and rural properties all across Australia, from remote outback regions to regional centres and coastal acreage.