Farm Owners Insurance

You Have Made It Your Living. Keep It Protected

While many insurance companies and agents have abandoned the farming business, we at Allen & Stults Co. continue to embrace it as we have since 1881. We understand that not all farms and not all farmers are the same. We also understand that the investment in your farm and your plans for its future are different from the farmer down the road. Designing the right insurance program for your farm can only be done after many questions are asked and answers received. Would you rebuild that barn? What equipment is essential for your operation? Do you want to protect your livestock from lightning strike or death by fire? What is the value of your harvest and should it be insured before you deliver it?

For many farmers their farm is both their business and their home. At Allen & Stults Co. we combine your personal liability, farm liability and business/commercial liability on one policy with one company. Rates are based on what you own and what you do. You don’t pay for farming activities that you do not do.


Equine operations are a large part of our agribusiness department. Whether you just own you own horses for pleasure, board for others or even breed, raise and train horses, we can design an insurance program that will fit your needs. 


For most people, a farm is more than a place to work – it is also where you lay your head after a long day. Under the dwelling portion of your Farm Owners policy, Allen & Stults Co., Inc. will help pay for damages to your home and any attached structures for all accidents and perils included in your policy.

Personal Property

Your Farm Owners policy also covers losses that may arise due to the damage or theft of personal belongings such as clothing, electronics, or home appliances. Items used in daily farm operations such as machinery, automobiles, and animals are not eligible for coverage under the personal property section of your policy, as they require additional protection.


Liability protection from Allen & Stults Co., Inc. helps pay for legal fees, medical expenses, and other losses that you may be held liable for, that result from covered injuries or damage to other people’s property. Further coverage options, including employee injury liability, are available for an additional premium.

Our Location

Allen & Stults Co., Inc.

106 North Main St.
Hightstown, NJ 08520
Main office: 609-448-0110
Toll free: 800-792-8660

Our Providers

Dear Mrs. Mazzoli, Many thanks for all your help over the last few days with Timmy and his first car. We got it yesterday and Timmy is taking off today for New Hampshire. It was a relief knowing that you would have all the answers to my questions and as always, quick to respond to my emails. I attached a photo of Timmy and his car, a product of your knowledge and work...I could never have figured all this out without you!
Tim and Timmy
You have always considered and treated your clients as if they were family. You are an asset to your community. We wish you much continued success and are proud to be your clients and friends.
Thanks "Cappy" for all of the wonderful service and advice you have provided to the fraternity over these many years, Always professional and never too busy to assist in any way
We have had our home and auto through your company for 9 years and have been very happy with the service and prompt responses from our representative - Cathy Mazzolli.
It is no wonder that you have achieved such an honor with the wonderful service and personalized attention you offer your clients.
Through the years, your service to our Society has been greatly appreciated. Our best wishes to you and all who are part of Allen & Stults Co. Inc.
We value our association with you and your staff and wish you many more years of success.