Backyard Farming: Why Hobby Farm Insurance Matters
More and more residents in Spokane and Eastern Washington are embracing the hobby farm lifestyle—whether it’s gathering fresh eggs each morning, growing produce for the local farmers market, or simply enjoying a deeper connection to the land. But while raising chickens or tending bees may seem low-risk, these small agricultural ventures come with unique insurance needs. At North Town Insurance, we help backyard farmers understand when extra protection makes sense—and why your standard homeowners policy might not be enough.
What Is a Hobby Farm?
A hobby farm is a small-scale agricultural operation typically run for pleasure rather than profit. Unlike full-scale commercial farms, hobby farms are usually side projects, not the owner’s main source of income. You might grow vegetables, raise a few goats, or sell homemade jams on the weekends—but if you’re making money, even casually, your property could be considered a business for insurance purposes.
Key indicators your hobby farm may need additional coverage:
- Selling goods like eggs, produce, honey, or flowers at local markets or roadside stands
- Hiring seasonal or part-time workers
- Breeding and selling animals
These activities can create liabilities that most homeowners insurance policies in Spokane don’t cover by default.
Risks Unique to Hobby Farming
Backyard farming is rewarding, but it brings risks that traditional homeowners insurance might overlook:
Animal-Related Injuries
Whether you’re keeping chickens, goats, or alpacas, animals can bite, kick, or injure guests and visitors—leaving you liable.
Outbuildings and Farm Structures
Many hobby farms include barns, coops, greenhouses, and sheds. If these aren’t listed or valued properly, they may not be fully covered under your standard policy.
Selling Farm Products
When you sell goods like eggs, honey, or soap, you open yourself up to product liability risks—especially if someone claims your product caused illness or injury.
Insurance Policy Options for Hobby Farms
At North Town Insurance, we work with Spokane-area families to build custom coverage plans that fit their unique farming lifestyles. Here are the most common options:
Homeowners Policy Endorsements
If your farming activity is limited and purely for personal use, an endorsement to your homeowners insurance may be all you need. This could include modest livestock or a garden used for home consumption.
Farm Insurance Policies
For those selling goods or running larger operations, a farm insurance policy provides broader protection. It often covers:
- Liability for farm-related injuries
- Equipment and outbuilding coverage
- Loss of income due to covered events
Product Liability Coverage
If you sell anything edible or topical (like honey, jams, or herbal salves), ask your agent about product liability insurance. This protects you in case someone becomes ill or injured from using your goods.
Equipment & Structure Coverage
Tractors, irrigation systems, fencing, and coops can represent major investments. Make sure these assets are protected under your policy, especially during Spokane’s snowy winters and hot, dry summers.
Smart Insurance Tips for Spokane Hobby Farmers
To protect your farm and finances, follow these best practices:
- Keep detailed records of all sales and expenses to track your farm’s financial footprint.
- Talk to your insurance agent before expanding operations or buying expensive equipment.
- Consider an umbrella policy for broader liability protection beyond the limits of standard policies.
Need Help Insuring Your Spokane Hobby Farm?
At North Town Insurance, we know that every hobby farm is unique. Whether you’re raising chickens in Spokane Valley or selling produce at the Kendall Yards Night Market, our local agents can help you find the right coverage—without overpaying.
Contact us today for a free consultation and make sure your land, livestock, and livelihood are properly protected.
Read the May 2025 Edition of our Newsletter: Your Source for the Latest Insurance Industry Insights
Fine Print: This is a general overview with the intention of bringing awareness to coverage options and general industry standards. Coverage varies between carriers and states. Check your policy for specifics.