Spring
Planting, spraying, calving and lambing, and equipment back on the roads.
Summer
Haying, irrigation, storms and hail, heat stress for workers and livestock, and visitors at farm stands.
Fall
Harvest fires, grain handling, long hours, and heavy road traffic with trucks and combines.
Winter
Snow load on roofs, heaters in barns and shops, frozen water systems, and equipment repair.
Frequently asked questions
When are fires most likely?
Harvest season brings combine fires and dry fields.
Do I need more coverage at harvest?
Harvested crops in storage may raise property values; update limits.
Are winter losses common?
Snow load, frozen pipes, and heaters cause many winter claims.
More coverage and guides
- The farmowners policy
- Farm liability
- Farm equipment and machinery
- Barns and outbuildings
- Livestock coverage
- Farm trucks and vehicles
- A farm year, season by season
- Agritourism and farm stands
- Crop insurance basics
- What affects farm insurance cost
- Farm application checklist
Last updated October 15, 2026 · How we research