Reliable coverage for your home, whether it’s your homestead or rental property.

Protect the Heart of Your Farm

Your farmhouse is more than just where you live—it’s where you build, manage, and care for everything else on the land. Whether you're living on-site, renting to a tenant, or restoring an older property, Schutz Insurance helps Alabama farmers get dependable protection. We'll help you cover the structure, contents, and liability with options that make sense for working farms.

What It Covers

A car is parked in front of a house in the snow.

Dwelling Coverage

Protects the structure of your farmhouse from damage due to fire, wind, hail, and other covered losses.

Personal Property

Covers furniture, clothing, appliances, and household belongings—whether you live there full time or part time.

Liability Protection

Covers injuries or damage that happen in or around your home, including dog bites or guest accidents.

Frequently Asked Questions

  • Is a farmhouse covered by regular homeowners insurance?

    Not always. If it's on a working farm or used for business, you'll likely need a farm policy. We’ll make sure it's classified correctly.

  • Can I insure a tenant-occupied farmhouse?

    Yes—we help landowners cover rental farm homes, whether it's short-term or long-term use.

  • What if my home is older or needs updates?

    No problem. We work with carriers who understand rural properties and older farmhouses.

  • Is flood damage included?

    Not by default. We can help you add flood coverage if needed, especially in lower-lying parts of Alabama.

  • Can I bundle my farmhouse with the rest of my farm policy?

    Absolutely. We can include it as part of your full farm package to simplify everything under one policy.

From front porch to back pasture, your home deserves the same care you give your fields and barns. Schutz Insurance helps Alabama farmers protect what matters most—clearly, locally, and without a lot of fuss.