What is Farm & Ranch Insurance?
If you own a ranch or farm, your operation faces unique risks and liabilities. A standard business or home insurance policy probably won’t proper coverages for your operation—if any. Let Smith & Sharpe Insurance guide you through your Brownwood farm insurance policy
To a certain degree, farm and ranch insurance works similarly to standard home insurance. However, farm and ranch policies can also provide protection for barns, outbuildings, machinery, grain, hay, arenas and various other farm/ranch buildings.
Smith & Sharpe: Insurance Know-how for Your Farm & Ranch Operation
Smith & Sharpe Insurance Agency has the knowledge and experience to help you create a customized farm and ranch policy. We’ll make sure your policy fits your operation’s need for individual coverages. Whether you own your property and work the land, or rent to another party, we’ll help you find the right insurance mixes to attain proper protection.
Is the land you work leased? No worries. We’ll help you find suitable coverage regardless of your situation.
What are Your Farm & Ranch Coverage Needs?
Do you grow crops? Raise livestock or cattle? Are you a dairy farmer? Is your farm or ranch a commercial operation? Do you run a horse farm?
Whatever the size and coverage needs of your property, we’ll shop our multiple insurance providers to find you the right coverages at price points that fit your budget:
Commercial Farm & Ranch Insurance
Row Crop Farm Insurance
Dairy Farm Insurance
Livestock Farm Insurance
Equine Farm Insurance
Cattle Ranch Insurance
What Does a Typical Farm & Ranch Policy Cover?
Typical farm and ranch policies provide building coverages, combined with provisions to cover furnishings and equipment, including machinery and tools. If you raise cattle or other livestock, typical policies also provide accidental-death coverages for your animals due to:
- Lightning strikes
- Attacks by predators
Standard farm and ranch insurance also includes a liability provision. This coverage provides protection if someone with permission to be on your property suffers bodily injury or property damage due to an accident. You can also add umbrella coverage to extend your protection in case you end up in court over a liability claim.
Additionally, if you live on your property, a typical farm and ranch policy will also cover your personal belongings:
Farm & Range Insurance Customized to Your Coverage Needs
Your coverages needn’t be limited to what’s provided by typical farm and ranch insurance. These policies can be tailored to include additional buildings, machinery or even accidents caused by one of your animals. You can also add provisions to cover:
- Milk contamination
- Crop damage
- Fire liability
- Employers liability
- Equine liability
Contact Smith & Sharpe Insurance Agency Inc for a Free Farm & Ranch Insurance Quote
What coverages do you need for your farm or ranch operation? Not sure? Interested in exploring your options? If you’ve got questions about farm and ranch coverage, we’ve got the answers you need to make informed policy decisions! If you’re ready to see how much you could save on Texas farm and ranch insurance, call Smith & Sharpe Insurance Agency today at (325) 646-4578! For a free online farm and ranch insurance quote, fill out the quote form on our contact page.