Dwelling
The farmhouse and attached structures, on a residential basis.
Business Insurance
Farm and ranch insurance for working land.
A farm is a home, a business and a piece of industrial equipment on the same title. One policy is written to hold all three.
Farm and ranch policies combine what would otherwise be several contracts: the farmhouse, the barns and outbuildings, machinery, livestock, stored crops and the liability that comes with people and animals on your land. Splitting those across separate policies is how gaps appear between them.
Structures, equipment and liability together
The dwelling is insured much as a home would be, but barns, shops, pens and fencing need scheduling in their own right, and their replacement costs are frequently underestimated until a storm makes the point.
Farm liability is broader than homeowners liability. It contemplates visitors, hunting leases, custom work performed for neighbours, and animals leaving your property — none of which a residential policy addresses.
Where farm auto and hired help fit
Farm vehicles, trailers and ATVs used in the operation belong on the farm policy or a farm auto section rather than a personal auto policy, which can decline a claim arising from commercial agricultural use.
Seasonal and hired help raise a workers compensation question. Texas does not require it for most employers, but an injured farmhand can pursue you directly, and as a non-subscriber you lose important legal defences.
What it covers
The parts of a farm insurance policy
Barns and outbuildings
Barns, shops, pens, silos and fencing, scheduled and valued individually.
Machinery
Tractors, implements and equipment, on and off the property.
Livestock
Animals, covered against named perils and often on a scheduled basis.
Farm liability
Visitors, leases, custom work and animals off the property.
Farm auto
Trucks, trailers and utility vehicles used in the operation.
Working with us
What we do differently
We are an independent agency, so we place your farm insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Schedule outbuildings individually — blanket assumptions understate them
- Rate farm vehicles on the farm policy, not a personal auto policy
- Review liability if you run a hunting lease or do custom work for neighbours
- Consider workers compensation for hired and seasonal help
Common questions
Farm Insurance, answered
Is a farm policy different from homeowners insurance?
Yes. It covers the dwelling like a home policy but adds barns and outbuildings, machinery, livestock and a much broader liability section covering the agricultural operation.
Are my tractors covered off the property?
Farm machinery cover generally follows equipment off the premises, including custom work for neighbours, but it is worth confirming if you regularly work land you do not own.
Does farm liability cover a hunting lease?
It can, but leases need declaring. Paying hunters on your land is a distinct exposure and some policies restrict or exclude it unless it has been rated.
Do I need workers comp for seasonal help?
Texas does not require it for most employers, but an injured worker can pursue you directly and non-subscriber status removes key defences. Worth considering wherever you hire.
Related cover
Often arranged alongside this
Farm Equipment Insurance
Modern agricultural machinery costs more than most of the buildings it sits beside. It should be insured accordingly.
Read moreLivestock Insurance
Animals are inventory that can die from weather, disease or a lightning strike on open ground. Cover is written around named causes.
Read moreCrop Insurance
Crop cover runs on federal deadlines. Miss the sales closing date and the season is uninsured, whatever the weather does next.
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