What’s the difference between a farmer and a landlord, and how does insurance work in relation to that?

The short answer is that the landlord is the owner of the land, while the farmer is the leasor of the land. The farmer is the one doing the cooperating, crop sharing, leasing, cash-earning, etc., and the farmer is the one who holds the insurance policy for his or her piece of land. A landlord may have multiple pieces of land, but the farmers they’re leasing the land to hold the insurance policy. A unique situation can arise if they’re sharing ownership of the land, in which the landlord and the farmer can have separate insurance policies for their share.