Natural Disaster Cover
Coverage for livestock losses from floods, cyclones, earthquakes, drought and other natural events.
What Does Natural Disaster Cover Cover?
Natural disaster cover for livestock has become increasingly vital for NZ farmers following Cyclone Gabrielle in 2023, which killed an estimated 25,000 sheep and 3,000 cattle. Standard farm policies may have limited natural disaster coverage — farmers should specifically check flood, cyclone, and storm cover for their region. Cover for drought-related losses is typically handled separately through income protection products.
Key Benefits & What's Included
Who Needs This Cover?
Farmers in flood-prone regions (Hawke's Bay, Manawatu, West Coast), cyclone-risk areas, and high-country farms exposed to snow events.
Typical Cost
From $200/year additional premium for natural disaster extension
Exact pricing depends on livestock type, numbers, value, and location. Our advisers provide free exact quotes.
Providers Offering Natural Disaster Cover
Coverage terms, limits, and exclusions vary significantly between providers. Our licensed rural advisers compare all options for your specific farm and livestock type.
Other Coverage Types to Consider
Free Livestock Insurance Quotes
All Coverage Types
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