Cover for farms, crops and livestock.
Compare crop, livestock and weather-based insurance from our partner insurers. An advisor helps you understand what each plan pays for.
- IRDAI Licence No. 1135Direct Broker (Life & General)
- [X]+ partner insurersCompare plans side by side
- Claim help from a real personWe follow up with the insurer
- Talk to an advisorCall +91 84700 67555
What is agriculture insurance?
Agriculture insurance helps farmers recover from losses to crops and animals caused by natural events, pests, disease and accidents.
Weather-based plans pay out when measured weather, such as rainfall, crosses a set level, without a survey of each farm.
Find the right planTypes of agriculture insurance
Pick one to get quotesWhat's covered, and what isn't
Cover varies by plan. Always check the policy wording before you buy.
Usually covered
Up to your sum insured, subject to policy terms- Drought & dry spellsYield loss from lack of rain
- Flood & inundationCrops under water
- Pests & diseaseAs listed in the policy
- Hailstorm & cycloneStorm damage to crops
- Animal deathFrom disease or accident
- Weather triggersRainfall, temperature, humidity
Usually not covered
Common exclusions across most plans- NegligenceLoss from poor farming practice
- Wilful damageDamage caused on purpose
- War & nuclear risksStandard exclusions
- Untagged animalsAnimals without identification
- Uninsured cropsCrops or areas not in the policy
- TheftOften excluded for livestock
Get covered in four steps
- 1Tell us what to coverTell us the crop or animals, the area and the season.
- 2Get quotesAn advisor collects the underwriting details and asks our partner insurers to quote.
- 3Share details & KYCAdd the details the insurer needs and complete KYC with your PAN.
- 4Get your policyYour advisor helps you finish, and the policy reaches your email.
How to make a claim
Two kinds of claim. We help with both, from the first call to settlement.
Crop or weather claim
Based on assessed loss or weather data- 1Report a local loss to the insurer within the time set in the policy
- 2Officials or surveyors assess the loss, or read the weather data
- 3Keep your policy, land records and bank details ready
- 4Approved claims are paid to your bank account
Animal claim
For the death of an insured animal- 1Tell the insurer soon after the animal's death
- 2Get a vet's post-mortem report
- 3Submit the claim form with the ear tag and photos
- 4The approved amount is paid to your bank account
Government-backed schemes
Some crop insurance is offered under government schemes, where part of the premium is paid by the government. Eligibility and cover are set by each scheme.
An advisor can help you check whether a scheme applies to you.
Our general insurance partners
See all partners- ICICI Lombard
Products and availability vary by insurer.
Agriculture insurance FAQs
Who can buy crop insurance?
Farmers, including tenant farmers and sharecroppers, can usually buy crop cover. Eligibility depends on the crop, the area and the scheme.
How is a weather-based claim decided?
Payouts use data from a reference weather station. If rainfall or temperature crosses the levels set in the policy, a payout is made.
Why does livestock need an ear tag?
The tag identifies the insured animal, so the insurer can match it to the policy at claim time.
Are premiums subsidised?
Under some government schemes, part of the premium is paid by the government. Plans outside these schemes are not subsidised.