Farm & Ranch Insurance
Protecting Land, Equipment & Livelihoods
Your farm or ranch isn’t just property—it’s your home, your business, and your way of life. We provide farm & ranch insurance designed to protect every part of your operation, from the land itself to the livestock, equipment, and structures that keep it running.
What Your Farm & Ranch Insurance Can Include
Dwelling Coverage
Protects your home and personal belongings from fire, wind, theft, and other covered risks.
Outbuilding & Structure Insurance
Covers barns, sheds, silos, equipment shelters, and other non-residential buildings on your property.
Farm Equipment Coverage
Insures tractors, combines, irrigation systems, and other machinery used in your operation.
Livestock Insurance
Offers coverage for animals lost due to accidents, disease, natural disasters, or theft.
Liability Protection
Covers injuries or property damage involving guests, workers, or neighboring landowners.
Farm Income Loss Coverage
Replaces lost revenue if a covered event interrupts your farming or ranching operations.
Designed for West Texas Agriculture
Hardworking coverage for hardworking land
Farming and ranching in West Texas comes with unique challenges—harsh weather, vast acreage, and reliance on heavy-duty equipment. A hailstorm can flatten a barn roof. A downed power line can spoil feed. A panicked steer can damage fencing or injure a guest. Whether you raise livestock near Abernathy or harvest crops in Lubbock County, you need insurance that understands the rhythm of rural life. We work with local producers to customize protection that fits their acreage, animal count, crops, and calendar. Your land works hard. Your insurance should, too.
Frequently Asked Questions
What’s the difference between farm insurance & homeowners insurance?
Farm insurance includes coverage for both your residence and your agricultural operation. Homeowners insurance only protects your house and personal belongings—not your barns, tractors, or livestock. If your property produces income or involves agricultural activity, farm insurance is the better choice. We’ll help you separate what’s personal and what’s business.
Can I customize my policy for my operation?
Yes, every farm & ranch policy is tailored to your specific property, equipment, and activity. Whether you grow hay, raise beef cattle, or run a mixed-use operation, your coverage will reflect your setup. We factor in your outbuildings, livestock, income streams, and seasonal needs. No two farms are the same, and your policy shouldn’t be either.
Does this include workers compensation for farmhands?
Not automatically. You’ll need to add workers compensation coverage separately if you have employees. In Texas, it’s not legally required in every case—but it’s a smart way to protect both your workers and your business. If you hire farmhands, seasonal help, or contract labor, we’ll walk you through the best options for coverage.
How much does farm & ranch insurance cost in Texas?
Premiums depend on acreage, home value, number of buildings, type of equipment, and whether you raise livestock or grow crops. A small family farm might pay around $2,500 annually, while a large commercial ranch could be significantly more. We’ll evaluate your entire operation and make sure you’re covered without overpaying.
Does it cover weather events like hail or drought?
Most farm & ranch policies cover hail, wind, lightning, and fire—but drought or crop failure typically requires a separate crop insurance policy through the USDA or a private carrier. If you rely on your land for income, we’ll explain the different options and help you layer coverage to protect against West Texas weather extremes.
