Lifestyle block and farm insurance
Protect your lifestyle block, farm assets, contents, farm vehicles, and even your income. Call us on 0800 161 262 for a quote.
Why choose Tower rural insurance
Bought a new lifestyle block or farm or just checking to see if you have the best cover? Look no further. Our rural tailored protection policy has the cover to meet your needs and budget.
Farm buildings and assets cover
Cover for sudden and accidental physical loss or damage unless excluded.
Natural disaster damage
If your lifestyle block or farm buildings and equipment suffer natural disaster damage, this will be covered for these items specified in your policy.
Loss of farm income cover
Get a sense of security in the event your farm is hit by an unforeseen scenario, such as flooding or fire.
Farm vehicle cover
We cover a range of farm vehicles along with plant and implements towed by farm vehicles.
This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.
Unsure how much your house is worth? Try out our house insurance calculator - it can help you work out the rebuild cost of your home.
Need more information?
Our rural policy can be tailored to meet your farm or lifestyle blocks needs. If you would like to understand the complete policy check out the policy document. Or request a callback and one of our rural specialist team will be in touch.
Lifestyle block and farm insurance FAQs
At Tower, we define a lifestyle block as:
- a block of land with a house and other assets that is less than 10 hectares in size, and
- the owner earns less than $10,000 gross income off the land from any activities associated with the lifestyle block.
If your property falls outside of the above criteria then it needs to be insured as a farm.
A house insurance policy won't provide adequate cover if your property has any of the following:
- additional land, and that land can be used to graze stock or grow anything that may be sold for profit
- outbuildings like a haybarn, woolshed, or stable
- plant machinery or vehicles like tractors and farm bikes
- additional items like electric power lines, telephone poles and cables.
If any of these apply to your property, give us a call on 0800 161 262 to get a lifestyle block and farm quote.
Our lifestyle block and farm policy provides cover for sudden or accidental loss or damage to the following:
- farm assets
- house and contents
- private motor vehicles (cars, caravans, and domestic trailers), farm vehicles and boats
- farm assets in transit
- farm asset breakdown
- frozen or chilled stores.
We also cover liability protection, loss of farm income, and personal income protection. We can talk you through the options available. Just give us a call on 0800 161 262 to get a quote.
If you're not completely happy with your cover, just let us know within 30 days of the policy start date.
As long as you haven't made any claims during this time, we'll cancel the policy and refund any premium payments you've made. If the policy was not quite right, we might be able to change it to better suit you.
We aim to make claiming on your lifestyle block and farm insurance as simple as possible. We'll guide you through the process, let you know what happens next and keep you up to date with any progress. Just call us on 0800 161 262.