Farm Insurance Australia :: Calculators

Farm Insurance Australia Financial Calculators

Farm Insurance Australia is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Income Protection Insurance Calculator
Find out how much monthly disability income protection insurance you qualify for. Use our calculator to estimate cover levels tailored to your income and needs.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.


Farm Insurance Articles

Investing in Your Farm's Legacy: Estate Planning and Farm Insurance Combined
Investing in Your Farm's Legacy: Estate Planning and Farm Insurance Combined
Farming is much more than an occupation; it's a way of life and a heritage that often spans generations. In today's ever-evolving agricultural landscape, embracing modern practices while preserving your farm's future has never been more crucial. Estate planning emerges as a pivotal strategy for safeguarding your agricultural legacy, ensuring that your hard-earned investments and the land you hold dear are passed on according to your wishes. - read more
How to Protect Your Harvest: Tips for Choosing the Right Crop Insurance
How to Protect Your Harvest: Tips for Choosing the Right Crop Insurance
Farming, at its core, is an enterprise fraught with uncertainty. Weather calamities, pests, diseases, and fluctuating market conditions can all impact the output and quality of produce. This is where crop insurance proves its worth, serving as a safety net for farmers against the myriad risks they face each season. - read more
Building Resilience Against Natural Disasters: Practical Steps for Aussie Farmers
Building Resilience Against Natural Disasters: Practical Steps for Aussie Farmers
Australian farmers face an array of natural disasters that can threaten livelihoods and disrupt the delicate balance of agricultural ecosystems. From devastating bushfires and droughts to powerful storms and floods, these catastrophic events pose serious risks to the farming community. Understanding and preparing for these forces is not just about survival; it's about building a sustainable future for farms across the continent. - read more
The Modern Farmer's Checklist for Assessing Farm Equipment Insurance Needs
The Modern Farmer's Checklist for Assessing Farm Equipment Insurance Needs
As the backbone of Australian agriculture, farm equipment plays an essential role in day-to-day operations across our expansive and diverse landscapes. From the vast wheat belts to the tropical fruit farms, machinery ensures efficiency and productivity in the face of constant challenges. But with reliance on such equipment comes significant risk—the financial burden of damage or loss can be devastating to a farmer's livelihood. - read more
What Australian Farmers Should Know About Crop Insurance
What Australian Farmers Should Know About Crop Insurance
Crop insurance is a type of insurance policy designed to protect farmers from the financial losses that arise from damages to their crops. This could be due to various risks, including adverse weather conditions, pests, and diseases. - read more
Risk Management and Insurance Options for Farmers
Risk Management and Insurance Options for Farmers
Risk management is the practice of identifying, assessing, and prioritizing risks followed by coordinated efforts to minimize, monitor, and control the probability or impact of unfortunate events. In farming, risk management involves various strategies to protect the financial health and operational stability of the farm. - read more
Farm Liability Insurance Costs vs. Benefits: Is It Worth It?
Farm Liability Insurance Costs vs. Benefits: Is It Worth It?
Farm liability insurance is a type of coverage that protects farmers from financial losses due to legal claims and lawsuits. This insurance is crucial for safeguarding your farm against various liabilities that may arise from farm operations. - read more
Future-Proofing the Farm: What Every Tech-Savvy Australian Farmer Needs to Know About Insurance
Future-Proofing the Farm: What Every Tech-Savvy Australian Farmer Needs to Know About Insurance
Welcome to the first steps in future-proofing your farming legacy. When we think about the hustle and bustle of daily farm life, it's easy to overlook the critical importance of estate planning. For the Australian farmer, estate planning is not just a matter of securing your assets; it's about ensuring the survival and progression of your hard-earned labour to the next generation. - read more
The Digital Farmer's Guide to Insuring Your Agribusiness in the Tech Age
The Digital Farmer's Guide to Insuring Your Agribusiness in the Tech Age
Welcome to the defining era where technology and agriculture entwine, bringing forth the digital farmer's era. With the evolution of agribusiness in the tech age, comes an array of new tools, opportunities, and risks. As a custodian of the earth and steward of the latest innovations, safeguarding your digital farm is just as crucial as nurturing your crops and livestock. - read more
Proven Strategies for Australian Farmers to Reduce Farm Insurance Premiums
Proven Strategies for Australian Farmers to Reduce Farm Insurance Premiums
Welcome to our comprehensive guide on navigating the complexities of farm insurance for Australian farmers. As an integral part of the agricultural industry, insurance provides a safety net that helps secure the livelihood of farmers against unpredictable events that can lead to financial hardship. From property damage due to natural disasters to loss of livestock or crops, having adequate farm insurance can make all the difference in keeping a farming operation afloat in times of crisis. - read more

Insurance News

Australian Insurers Report Profit Decline Despite Premium Increases
Australian Insurers Report Profit Decline Despite Premium Increases
28 Apr 2026: Paige Estritori
Recent analyses reveal a paradox within Australia's insurance sector: despite escalating premiums, insurers are experiencing a downturn in profits. This trend is largely attributed to the financial repercussions of extreme weather events and the subsequent surge in claims costs. - read more
Surge in Insurance Complaints in Australia Due to Claim Processing Delays
Surge in Insurance Complaints in Australia Due to Claim Processing Delays
28 Apr 2026: Paige Estritori
The Australian insurance industry is currently grappling with an unprecedented surge in consumer complaints, primarily stemming from delays in processing everyday claims. Data from the Australian Financial Complaints Authority (AFCA) indicates that insurance companies are generating a record 100 complaints daily, as they struggle to manage routine claims efficiently. - read more
Dominance of Four Insurers in Australia Sparks Competition Concerns
Dominance of Four Insurers in Australia Sparks Competition Concerns
28 Apr 2026: Paige Estritori
The Australian insurance landscape is characterized by a high degree of market concentration, with four major companies—Insurance Australia Group (IAG), Suncorp, QBE, and Allianz—controlling nearly 74% of the general insurance market. This dominance has raised questions about the level of competition within the industry and its implications for consumers. - read more
Australia Prohibits Use of Genetic Test Results in Life Insurance Underwriting
Australia Prohibits Use of Genetic Test Results in Life Insurance Underwriting
28 Apr 2026: Paige Estritori
In a landmark move, the Australian Parliament has passed the Treasury Laws Amendment (Genetic Testing Protections in Life Insurance and Other Measures) Act 2025, effectively banning life insurers from using individuals' genetic test results in underwriting decisions. This legislation, which comes into effect on 8 October 2026, aims to eliminate potential discrimination based on genetic information and encourage Australians to undergo genetic testing without fear of insurance repercussions. - read more
Call for Fairer Mental Health Assessment in Life Insurance Underwriting
Call for Fairer Mental Health Assessment in Life Insurance Underwriting
28 Apr 2026: Paige Estritori
The Life Insurance Code Compliance Committee (Life CCC) has released a report urging Australian life insurers to adopt fairer and more individualised approaches when assessing applications involving mental health disclosures. The report identifies a concerning trend where some insurers apply broad exclusions or outright denials based on mental health histories, rather than evaluating each applicant's unique circumstances. - read more
Significant Decline in Trauma Insurance Coverage Puts Australians at Financial Risk
Significant Decline in Trauma Insurance Coverage Puts Australians at Financial Risk
28 Apr 2026: Paige Estritori
Recent data from the Australian Prudential Regulation Authority (APRA) indicates a concerning 16% decline in the number of Australians holding trauma insurance policies over the past five years. This decrease, from 1.08 million policyholders in June 2020 to 912,000 in June 2025, suggests that fewer individuals are protected against the financial impact of serious illnesses such as cancer, heart attacks, and strokes. - read more
Allianz Announces Further Reductions in Broker Commissions for Landlord Insurance
Allianz Announces Further Reductions in Broker Commissions for Landlord Insurance
28 Apr 2026: Paige Estritori
In a strategic move to ensure the sustainability of its home and landlord insurance portfolios, Allianz has announced a reduction in broker commissions. Effective from July 1, 2026, the maximum commission rate payable to brokers will decrease from 17.5% to 15%, with a further reduction to 12.5% slated for July 1, 2027. This decision reflects Allianz's response to ongoing challenges such as increased natural catastrophe activity, rising claims costs, and prolonged high inflation. - read more
Rising Insurance Premiums Pose Challenges for Australian Landlords
Rising Insurance Premiums Pose Challenges for Australian Landlords
28 Apr 2026: Paige Estritori
Australian landlords are encountering substantial increases in insurance premiums, driven by a combination of heightened claims resulting from natural disasters and the pervasive effects of inflation. Data indicates that home insurance premiums have escalated by over 50% in the past five years, placing additional financial strain on property investors. - read more
QBE Honored with Multiple Awards for Exceptional Landlord Insurance Value
QBE Honored with Multiple Awards for Exceptional Landlord Insurance Value
28 Apr 2026: Paige Estritori
QBE has been recognized with the 2026 National Award for Building & Contents Insurance, alongside state awards in New South Wales, Victoria, Western Australia, South Australia, Tasmania, Northern Territory, and North Queensland. This recognition underscores QBE's commitment to providing exceptional value to landlords across Australia. - read more
QBE Introduces Comprehensive Add-Ons to Landlord Insurance Policies
QBE Introduces Comprehensive Add-Ons to Landlord Insurance Policies
28 Apr 2026: Paige Estritori
In August 2025, QBE Insurance unveiled significant enhancements to its commercial landlord insurance offerings, introducing a suite of optional add-ons designed to provide more comprehensive protection for property owners. These strategic enhancements aim to equip brokers with additional tools to better serve their clients in a competitive market. - read more

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Knowledgebase
Term Life Insurance:
A life insurance that provides a cover for a specific period of time - usually one to five years or until the insured reaches age 65 or 70.