Flood & Fire Cover
When nature strikes your farm, your recovery starts here.
What is Flood & Fire Cover?
When nature strikes your farm, your recovery starts here.
Seedstone Insurance Agency arranges and manages your cover end to end — from quote to claim — so you always deal with one trusted team. Your policy is underwritten by Old Mutual Short-Term Insurance Botswana, giving you the security of an established insurer behind every claim.
Policy Coverage
What's included in this policy
- Fire and veld fire (including fire spreading from outside your property)
- Lightning strike damage to buildings, equipment and animals
- Flood inundation of agricultural land and infrastructure
- Hail and storm wind damage
- Emergency rehabilitation costs (fencing, drainage, access roads)
Key Benefits
Why clients choose this cover
Veld Fire Cover
Covered even when fire originates outside your property boundary.
Rehabilitation Costs
Reasonable costs to restore fencing, drainage, and access roads are included.
Combines With Livestock
Fire cover for livestock can be included alongside crop and asset cover in one agricultural package.
The detail, made clear
What's not covered
Get Started
Request your Flood & Fire Cover quote
Tell us a little about what you need to protect and an advisor will be in touch — usually within two hours, with no obligation.
- Free, no-obligation quote
- A real advisor responds within 2 hours
- Underwritten by Old Mutual Short-Term Insurance Botswana
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Common Questions
Also in Agricultural Insurance
Related Products
Livestock Insurance
Your herd is your livelihood. When things go wrong, we make sure you can rebuild.
- Death by accident (collision, drowning, lightning, structural collapse)
- Death by illness or disease contracted after policy start
- Attacks by dogs and wild animals
- Emergency slaughter — vet-certified incurable condition
Crop & Horticulture Insurance
A bad season doesn't have to mean financial ruin. Protect your harvest before it reaches the market.
- Fire and veld fire damage to standing or harvested crops
- Flood and storm damage (hail, high winds)
- Drought mortality (optional extension)
- Pest and disease loss (where preventative measures were taken)
Farm Asset Protection
The tractors, equipment, and infrastructure that keep your farm running — covered.
- Tractors and farm vehicles (accident, fire, theft, rollover)
- Irrigation infrastructure (pivots, pumps, pipes)
- Storage facilities and grain silos
- Generators and water supply equipment