Now this may or may not apply to you. I live in an urban area, have one hive, and my Like a Good Neighbor insurance company is fine with the bees. I actually had the local office call the underwriting department, who said, "We care if you have a pool. We care if you have a trampoline. We want to at least know that you have a dog. We don't care about a backyard beehive." They said a stinging claim would be covered like a dog bite would. Whether that means they'd drop you if you had a claim, I don't know.