We know farming—and we know how to protect it.

Coverage Built for Alabama Farms

Whether you run row crops, raise cattle, or work as a custom applicator, your farm needs coverage that fits the land and the life. At Schutz Insurance, we help Alabama farmers insure what matters most—from homes and barns to tractors and yield. We’ll walk you through your options, explain the fine print, and help you protect your operation the right way.

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Hands-On Experience. Down-to-Earth Coverage.

We Help Farmers Cover What Matters—From Soil to Silo

Farming isn’t one-size-fits-all. That’s why we tailor every policy to your land, your equipment, and your operation. Whether you’re planting peanuts, managing a poultry house, or driving a sprayer, we’ll help you stay protected against storms, accidents, and lawsuits—so you can focus on what you do best.

Farm Houses

Coverage for the home on your property, including dwelling, contents, and loss of use—whether it’s your residence or a rental.

Barns & Outbuildings

Protect sheds, silos, grain bins, poultry houses, hay barns, and other structures critical to your farm.

Farm Equipment

Tractors, combines, sprayers, and more—covered on your land, on the road, or in the shop.

Farm Liability

Coverage for injuries, property damage, or lawsuits that may arise from daily operations on your farm.

Crop Insurance

We help you protect your yield and revenue through approved federal and private plans.

Custom Applicators Coverage

Specialized protection for operators applying fertilizer, herbicide, or pesticide—on your land or someone else’s.

Why Schutz Insurance?

Real Coverage from People Who Understand Rural Life

We’re not just another agency reading off a checklist—we’re part of the same towns and counties you work in. Whether you're running 100 acres or 1,000, we’ll help make sure your coverage is clear, affordable, and made for the way you actually farm. You’ll get real help from agents who speak your language and know what matters in a tough season.

Frequently Asked Questions

  • Can I insure both my home and farm together?

    Yes—many farm policies bundle personal and commercial coverage. We’ll help you get the right protection for your house and your operation.

  • Are barns and outbuildings covered automatically?

    Not always. We’ll review your setup and make sure every structure you rely on is listed and insured properly.

  • Can I insure older or used equipment?

    Yes. If it’s in working condition, we can usually insure it. We’ll guide you on coverage value and options for replacement or repair.

  • What does custom applicator coverage include?

    It protects you from liability if something goes wrong while applying chemicals—on your farm or someone else’s. It’s a must if you offer those services.

  • How do I sign up for crop insurance each year?

    We’ll help you through the application or renewal process and keep you on track with all USDA deadlines and compliance requirements.