Free crop insurance quotes

Crop insurance covers the perils it names.
Everything else is yours.

Hail, frost, wind and fire are the usual named perils, but which ones a policy lists, and how it values a lost crop, varies by insurer and by crop. That is the part worth understanding before you buy.

We explain how crop cover works for each kind of grower, then put you in touch with a registered rural insurance broker if you want someone to look at your operation.

Find your crop Find your type of operation

Get Your Crop Insurance Quote

Free quotes. Our registered brokers will compare the best options to suit your requirements. No obligation.

The one thing worth knowing before anything else

Most crop policies are named-peril policies. If the event that damaged your crop is not on the list, the policy does not respond, however bad the loss. Multi-peril and revenue cover go wider, but they are rarer, priced differently and not available for every crop.

Policies also set a deadline for telling the insurer about damage, and many need the crop assessed before harvest or clean-up. Read those two clauses first.

How a crop claim works Common questions

By crop

The main risks, the regions that grow it, and what cover usually looks like.

Kiwifruit

Protect your kiwifruit orchard from PSA, adverse weather, hail, frost, and post-harvest losses. Specialist crop insurance information for NZ orchardists.

Bay of Plenty · Northland · Waikato

Apples & Pears

Specialist hail, frost and weather cover for apple and pear orchards across Hawke's Bay, Nelson and Central Otago — protecting your pip fruit investment.

Hawke's Bay · Nelson/Tasman · Central Otago

Grapes & Vineyards

Frost, hail, and revenue protection for NZ's world-class wine grape growers in Marlborough, Hawke's Bay, Central Otago and beyond.

Marlborough · Hawke's Bay · Central Otago

Wheat & Grain

Named perils and multi-peril crop cover for NZ wheat, barley, oats and grain growers in Canterbury, Southland and Marlborough.

Canterbury · Southland · Marlborough

Maize

Protect your maize silage and grain crop from drought, hail, wind and flooding in New Zealand's key maize growing regions.

Waikato · Northland · Hawke's Bay

Hops

Specialist crop and infrastructure cover for NZ hop growers in Nelson, Tasman and Marlborough — protecting your trellis investment and annual crop.

Nelson · Tasman · Marlborough

Stone Fruit

Specialist cover for cherries, peaches, nectarines, apricots and plums against frost, hail, rain cracking and adverse weather in Central Otago and Hawke's Bay.

Central Otago · Hawke's Bay · Nelson

Avocados

Protect your avocado orchard from wind, hail, frost and biosecurity risks in Northland, the Bay of Plenty and Coromandel.

Northland · Bay of Plenty · Waikato

Berries

Insurance for strawberries, blueberries, raspberries and boysenberries against hail, frost, botrytis and other weather and production risks across NZ.

Hawke's Bay · Nelson · Canterbury

Flowers & Ornamentals

Insurance for cut flowers, bulbs, nursery stock and ornamental crops against hail, frost, flooding and weather events across New Zealand.

Canterbury · Southland · Waikato

Vegetables

Cover for outdoor and greenhouse vegetable growers including potatoes, onions, brassicas, squash and salad crops across NZ.

Pukekohe / South Auckland · Canterbury · Hawke's Bay

Barley

Named perils and revenue protection for NZ malting and feed barley growers in Canterbury, Southland and Marlborough.

Canterbury · Southland · Marlborough

By type of operation

Written for the way each kind of grower actually runs.

Orchardists

Specialist insurance for kiwifruit, apple, pear, avocado and stone fruit orchardists across New Zealand.

Viticulture & Wine Growers

Vineyard and wine grape crop insurance for NZ's world-class wine growing regions.

Arable Farmers

Crop insurance for Canterbury, Southland and Marlborough arable farmers growing wheat, barley, oats, and maize.

Hop Growers

Specialist insurance for NZ hop growers in Nelson, Tasman and Marlborough.

Vegetable Growers

Crop insurance for outdoor and covered vegetable growers supplying supermarkets, processors and fresh markets.

Contract & Seed Growers

Insurance for NZ seed and contract growers protecting against crop failure and contract non-delivery penalties.

Guides

All guides →

NZ Crop Insurance Guide 2026: What Every Grower Needs to Know

A comprehensive overview of crop insurance options in New Zealand — from named perils cover to multi-peril revenue protection — and how to choose the right policy for your operation.

10 min read

Kiwifruit Insurance: Protecting Your Orchard from PSA and Weather Events

PSA devastated NZ kiwifruit orchards a decade ago. Here's how insurance can protect against disease, hail, frost, and weather events for today's kiwifruit growers.

9 min read

Vineyard Insurance: What's Covered When Frost Hits Your Grapes?

Frost at budburst can destroy an entire vintage in a single night. Here's how NZ viticulture insurance protects Marlborough and Hawke's Bay vine growers.

9 min read

Common questions

What is crop insurance and do I need it?

Crop insurance protects growers against financial loss when crops are damaged or destroyed by weather events, disease, or other covered perils. If a crop failure would cause significant financial hardship to your farming business — particularly if you have supply contracts, significant input costs, or rely on crop income — then crop insurance is worth serious consideration.

How do I get a crop insurance quote in New Zealand?

To get a crop insurance quote, contact a specialist rural broker or approach an insurer directly. Have your crop type, region, approximate insured value, and coverage requirements ready. A broker can approach multiple insurers simultaneously and present a comparison. Find a licensed broker through the IBANZ directory at ibanz.co.nz.

Is crop insurance expensive?

Premium costs depend on crop type, region, sum insured, and coverage level. As a guide, premiums typically range from 1–3% of the insured crop value. A $300,000 kiwifruit crop might cost $3,000–$9,000 to insure annually. Contact a specialist crop insurance broker or insurer directly to get an accurate figure for your operation.

What perils does crop insurance cover?

Named perils policies cover specific events: typically hail, frost, fire, wind, and flooding. Multi-peril policies cover virtually all natural causes of crop loss, including drought. The specific perils covered depend on the policy and insurer — a specialist broker can walk you through the options for your crop type.

Does crop insurance cover drought?

Standard named perils policies typically do not cover drought. Drought cover requires either a multi-peril crop insurance (MPCI) policy or a specific parametric drought product. MPCI is available in NZ through specialist international markets accessed via licensed agribusiness brokers. Ask a specialist broker specifically about drought cover options if this is a key risk for your region.

Is disease covered by crop insurance?

Disease coverage is generally excluded from standard named perils crop insurance. However, some policies include limited disease cover or business interruption following a disease event (e.g., PSA in kiwifruit). Specialist disease covers may be available through international markets. Discuss your specific crop and disease risks with a specialist rural broker.

All questions →

We do not sell insurance

We are not an insurer and we do not give advice. We explain how crop cover works and, if you ask, introduce you to a registered rural insurance broker.

Provider facts are sourced

What we say about a named insurer or broker comes from their own published material and is dated. If something is out of date, email hello@cover4you.co.nz.

Read the wording

General information here never replaces the policy wording. A good broker will walk you through the perils, exclusions and claim deadlines before you commit.

Crop insurance covers the perils it names.Everything else is yours.