Farm Insurance in Texas for Farms & Ranch Properties
Your farm or ranch is more than a home. It can include acreage, barns, equipment, livestock, outbuildings and agricultural activities that create insurance needs beyond a standard homeowners policy.
Lavon Insurance can help you compare farm and ranch insurance options based on how your property is actually used.
Get a Farm Insurance Quote
Your Property May Need More Than a Standard Homeowners Policy
Rural properties can combine residential and agricultural uses. The right insurance depends on what you own, how the property is used, and the activities taking place there.
Your Home
Your residence may be part of your farm or ranch insurance program, with coverage based on the home’s value, construction and policy terms.
Farm Property
Barns, sheds, fencing, equipment and other structures can create property exposures that should be considered when selecting coverage.
Liability Risks
Farm activities, animals, equipment, visitors and other operations can create liability exposures that may need specialized consideration.
What Can Farm Insurance Cover?
Farm insurance is not one-size-fits-all. Depending on the property and operation, different types of coverage may be available.
Dwelling Coverage
Coverage for a home located on the farm or ranch property, subject to the policy’s covered causes of loss, limits and exclusions.
Farm Structures
Depending on the policy, eligible barns, sheds, garages and other farm structures may be covered.
Farm Equipment
Tractors, machinery and other farm equipment may require specialized coverage based on what you own and how it is used.
Livestock & Animals
Certain livestock and animal-related exposures may require specialized coverage or additional policy provisions.
Agricultural Operations
Farming and other agricultural activities should be discussed when selecting coverage so the insurance program reflects the operation.
Farm Liability
Liability coverage may help address covered claims involving bodily injury or property damage associated with applicable farm-related risks.
Coverage for Different Types of Texas Properties
Whether you operate a working farm or simply own rural property, the way you use your land can affect the type of insurance you need.
Working Farms
- Agricultural operations
- Farm buildings and outbuildings
- Farm machinery and equipment
- Farm-related liability exposures
Ranches & Livestock Properties
- Livestock operations
- Barns, pens and other structures
- Fencing and property considerations
- Animal and visitor liability exposures
Acreage & Rural Properties
- Homes on larger parcels
- Detached structures and workshops
- Personal equipment and recreational use
- Unique rural-property exposures
Hobby & Part-Time Farms
- Small-scale agricultural activities
- Limited livestock or animal exposure
- Gardens, acreage and outbuildings
- Mixed residential and farm use
Insurance for the Property Behind the Home
A farm or ranch can represent years of work, investment and responsibility. Your insurance should take the entire property and its uses into consideration.
Farm Insurance vs. Standard Homeowners Insurance
A standard homeowners policy may not be designed for every property that includes acreage, farm buildings, equipment or agricultural activities.
| Consideration | Standard Homeowners | Farm / Ranch Insurance |
|---|---|---|
| Primary residence | Designed primarily around residential use. | Can be structured around a residence located on a farm or ranch property. |
| Farm buildings | Coverage may be limited or unsuitable depending on the structure and how it is used. | May provide options for eligible barns, sheds and other farm structures. |
| Farm equipment | May not adequately address specialized farm equipment. | Specialized equipment coverage may be available depending on the policy. |
| Agricultural activities | Farming or business activities may have limitations or exclusions. | The policy can be evaluated around applicable farm-related exposures. |
| Liability | Primarily designed around personal residential liability. | Farm-related liability exposures can be considered as part of the insurance program. |
Things to Consider When Insuring a Texas Farm or Ranch
Texas farms and ranches can face a wide range of weather, property and liability exposures. Your insurance should reflect the actual characteristics of your property.
Wind & Hail
Severe storms can damage homes, barns, outbuildings, equipment and other property. Review deductibles and coverage limits carefully.
Fire
Rural properties can include multiple structures and large areas of land. Discuss property limits and applicable exclusions with your insurance professional.
Water & Flood
Standard property policies generally have limitations regarding flood. Separate flood coverage may need to be considered when appropriate.
Equipment
Consider the value and use of tractors, implements, trailers and other equipment when determining appropriate coverage.
Animals & Livestock
Animals can create property and liability exposures that should be discussed when building your insurance program.
Visitors & Operations
Guests, customers, workers and other visitors can create additional liability considerations depending on your activities.
How We Help With Farm Insurance
We start by understanding your property and how you use it rather than trying to fit every farm into the same policy.
Tell Us About Your Property
We’ll ask about your home, acreage, buildings, equipment, animals, farming activities and other important details.
Compare Your Options
As an independent insurance agency, we can compare available options from multiple carriers based on your situation.
Choose Your Coverage
We’ll explain the available options, limits and deductibles so you can make an informed decision about your farm or ranch insurance.
Farm Insurance for Texas Property Owners
Lavon Insurance serves customers throughout Texas and understands that rural properties don’t always fit neatly into a standard insurance category.
Whether you’re near Lavon, Farmersville, Greenville, Royse City, Rockwall, Wylie or another Texas community, we’re here to help you compare your insurance options.
Looking for Farm Insurance Near You?
Start with a conversation about your property. We’ll help identify the types of coverage that may be appropriate and compare available options.
Farmersville • Greenville • Lavon • Royse City • Rockwall • Wylie
Farm Insurance FAQs
What is farm insurance?
Farm insurance is designed to address insurance needs associated with a farm or ranch property. Depending on the policy, it may address the residence, farm structures, equipment, liability and other exposures.
Is farm insurance different from homeowners insurance?
It can be. A standard homeowners policy is primarily designed for residential risks, while farm insurance can account for additional exposures associated with agricultural property and operations.
Do I need farm insurance if I live on acreage?
Acreage alone does not determine what policy you need. How the property is used, what structures are present, whether you have animals or equipment, and whether you conduct farm activities are all important considerations.
Does farm insurance cover livestock?
Livestock coverage depends on the policy and the type of animals and risks involved. Some livestock exposures may require specialized coverage or additional policy provisions.
Does farm insurance cover farm equipment?
Coverage for farm equipment may be available, but the type of equipment, its value, how it is used and the policy terms all matter. Specialized equipment may require specific coverage.
Does farm insurance cover barns and other outbuildings?
Eligible farm structures may be covered depending on the policy. Buildings should be properly identified and valued when determining appropriate coverage.
Does farm insurance include liability coverage?
Liability coverage may be included or available depending on the policy. Farm-related activities, animals, equipment, visitors and other exposures should be discussed when selecting coverage.
Does farm insurance cover crops?
Crop coverage is not automatically included in every farm insurance policy. Crop insurance can be a separate and specialized type of coverage depending on the crops and risks involved.
Can you insure a hobby farm?
Possibly. Small farms and hobby farms can have different insurance needs depending on the property, animals, equipment, structures and activities.
How do I get a farm insurance quote in Texas?
Start by telling us about your property and how it is used. We’ll review the details, identify important exposures and compare available insurance options.
Let’s Compare Your Farm Insurance Options
Your farm or ranch is more than just a home. Let Lavon Insurance help you find coverage that considers the property, equipment, operations and liability exposures that matter to you.
Get a Farm Insurance QuoteInsurance coverage, limits, deductibles, eligibility and availability vary by carrier and policy. This page provides general information and does not change or replace the terms of an insurance policy.