Rural Tailored Protection

TOWER's Rural Tailored Protection covers the kind of contingencies which are unique to farming and gives you flexible options to tailor your farm insurance to suit your unique farming situation. 

We can help you protect your farm assets, farmhouse, contents and farm vehicles - even your income. Letting you concentrate on running your farm.

Key benefits

This is a summary only. See if this policy is right for you by downloading our policy wording which is a full outline of the policy benefits, terms and conditions.

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Full replacement for fire for your house

Full replacement for fire gives you peace of mind that in event of a fire we will rebuild your house even if the cost is more than your sum insured. Excludes Present Day Value policies and fires following natural disasters. All other standard policy terms and conditions apply.


Liability protection cover

Help to protect you against claims for compensatory damages that may arise from injury or accidents in connection with your farm.

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Loss of income cover

Offers a sense of security in the event your farm is hit by an unforeseen scenario, such as a dairy shed flooding or a woolshed burning down, which often results in a reduction of normal farm production.

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Farm vehicle cover

Includes cover for plant and implements towed by farm vehicles

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Farm buildings and assets cover

Provides cover for sudden and accidental physical loss or physical damage, during the period of insurance unless excluded by this policy.

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Plant and machinery breakdown

Covers you for sudden and accidental physical loss or damage to your fixed farm plant and farm machinery, irrigation or electronic equipment at the insured location and due to mechanical, electrical or electronic breakdown. This includes the costs of replacing insulating oil and refrigerant gas following a loss for which a claim is accepted.

Our guarantee

If you are not completely happy with your policy, please tell us within 30 days of its commencement date. We may agree to change the policy to suit you. If not, and you wish to cancel the policy, you can as long as you have not made any claims. We will then refund any premium you have paid and we will both regard this policy as never commencing.

Underwritten by TOWER Insurance Limited.