Farm & Ranch Insurance
Farm and ranch insurance is a specialized package combining personal lines coverages (dwelling, personal property) with commercial coverages (farm structures, equipment, livestock, and farm liability) into one integrated policy. Unlike a standard homeowners policy, a farm policy recognizes that the …
Key Coverages for Farm & Ranch Businesses
- Dwelling and personal property
- Farm structures: barns, outbuildings, equipment sheds, grain bins, silos
- Mobile farm machinery and equipment
- Livestock — blanket or scheduled coverage
- Stored crops and feed in covered structures
- Farm liability for operations, products, and completed operations
Frequently Asked Questions
Is a standard homeowners policy sufficient for a farm?
No. Standard homeowners policies exclude business activities, which includes farming. If you sell farm products, employ workers, or use the property for any agricultural purpose, the homeowners policy will likely deny related claims. A farm owner's p…
Does farm insurance cover equipment on public roads?
Farm package policies typically include incidental coverage for equipment in short transit on public roads. If equipment is regularly operated on public roads or used for hire, you may need a separate commercial auto policy. This is particularly rele…