My home owners insurance covers me as long as Im not a commercial
beekeeper. In my area I keep to the codes namely 4 hives for my particular
size lot and I do not sell honey I ive it away. I could stretch it farther
than that but in my case it is not worth it. My home owners insurance is
allstate,I also got bids from Nationwide for similar coverage. Check and
see what you can get, and how far you can go.
Jerry Fries