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Assurance agricole 2026

Assurance ferme d’agrément (hobby farm) au Québec

Vous avez une petite ferme d’agrément (hobby farm) ? Évitez les angles morts de votre assurance habitation : RC, animaux, bâtiments, matériel. Comparez 9+ assureurs en 3 minutes.

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Do you own a hobby farm in Quebec — a few horses, chickens, a small flock of sheep or an off-the-shelf vegetable garden? Your activity is not a commercial operation but it goes far beyond the framework of a simple residence: agricultural buildings, animals that can injure a visitor, unregistered motorized equipment. Your home insurance leaves many blind spots. Assur360 is an independent comparator that puts you in touch with AMF-certified partner firms. The brokers of our partner firms compare more than 9 insurers specializing in agriculture to find the right coverage for your operation, at the best price and at no cost.

SOUMISSION GRATUITE 2026

Assurance ferme d’agrément (hobby farm) au Québec

Comparez 9+ assureurs spécialisés en agricole, en moins de 3 minutes

Obtenir ma soumission gratuite →
9+
Insurers Compared
3 min
Online Quote
$2 to $5 million
Civil liability
100 %
Free, no obligation

Essential Coverages

Buildings — barn, stable, shelters, fences

Small barn, stable, chicken coop, animal shelters, permanent fences. Fire, wind, hail, water damage and vandalism coverage.

Animals — horses, sheep, goats, poultry

Accidental mortality, injuries, predator attack. Optional coverage for high-value saddle horses.

Enhanced civil liability $1 to $2 million

Covers injury to a visitor caused by an animal, a fall into the barn, or an accident related to a hobby farming activity. Standard home liability often excludes these situations.

Unregistered materials and equipment

Garden Tractor, Mini Tractor, Professional Lawn Mower, Enclosure Maintenance Equipment. Theft, fire, breakage.

Personal harvest and small vegetable garden

Small vegetable or fruit production for personal use (not sold). Limited but useful coverage for greenhouses and valuable fruit trees.

Occasional activities (visits, birthdays)

If you occasionally host children, friends or school classes, the “leisure activities” endorsement extends the civil liability to these visits.

Job-specific risks

Why your home is not enough

A standard home policy covers the home and its outbuildings, but often EXCLUDES farm buildings, livestock, and recreational liability. A horse that bites a visitor is not a “dwelling” injury.

The firm approval threshold vs. commercial farm

If your farm income exceeds a certain threshold (often $7,000 to $10,000 per year depending on the insurer), your operation becomes commercial and you must switch to a commercial farm policy. Discuss with your broker from the start.

A single adapted multi-risk policy

Many insurers offer a hybrid home + hobby farm product that covers the house, farm buildings, animals and enhanced liability in a single policy — often more advantageous and simpler.

Producers covered throughout Quebec

Our partner firms support farms in all regions of Quebec, including Saint-Hyacinthe, Drummondville, Granby, Victoriaville, Saint-Jean-sur-Richelieu, Joliette, Lévis and Trois-Rivières, as well as in rural areas — Beauce, Estrie, Centre-du-Québec, Bas-Saint-Laurent, Saguenay–Lac-Saint-Jean, Chaudière-Appalaches and Outaouais.

Frequently asked questions

Does my home insurance cover my barn and pets?
Partially. The barn can be covered as an “outbuilding” up to a certain limit (often 10% of the value of the house), but farm animals and hobby liability are generally excluded. A firm policy of pleasure fills these blind spots.
When do you switch from an approval policy to a commercial policy?
Insurers set an annual farm income threshold — often between $7,000 and $10,000. Beyond that, your farm is considered commercial and requires a more comprehensive commercial agricultural policy.
If my horse injures a visitor, am I covered?
With a firm civil liability (1 to 2 million dollars minimum), yes. Without this endorsement, your home liability insurance can refuse the claim by invoking the “farm animals” exclusion.
How much does insurance cost for a hobby farm in Quebec?
The premium varies depending on the value of your buildings, the number of animals, the presence of a horse, the frequency of visitors and your history. As a guideline, a small hobby farm often pays between $1,200 and $3,500 per year in addition to the home, but the exact premium is determined after analyzing your file.
Is my garden tractor covered if stolen?
Yes, with the “unregistered agricultural equipment and equipment” endorsement. Covers theft, fire and accidental breakage of small motorized equipment used on the property.
Are my laying hens and eggs covered?
A small production for personal consumption is usually covered. If you sell your eggs on a regular basis, you fall into the commercial category and a different policy applies.
Am I covered if I give occasional riding lessons?
Riding lessons, even occasional, are a commercial activity that require separate professional liability. Your firm licensing policy isn’t enough — talk to your broker.
What happens if I process a little of my products (jams, syrup)?
Small-scale processing for direct sales can switch your operation to commercial. Depending on the volumes, the insurer will require an agricultural policy or a specific endorsement.

Other agricultural protections

Do you combine several activities on the same farm? Compare these coverages as well.

Why choose Assur360

  • ✓ Independent comparator : we compare more than 9 insurance companies for you
  • ✓ AMF-certified partner firms and members of the Chambre de l’assurance
  • ✓ 100,000+ Quebecers have already trusted our network
  • ✓ Free service, no hidden costs, no commitment
  • ✓ Quote in 3 minutes, online or by phone
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