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Farm & ranch
For acreage, barns, livestock, and equipment. A homeowners policy stops at the house.
Start the farm & ranch application →- What it covers
- The farmhouse and outbuildings
- Tractors, implements, and mobile equipment
- Livestock, on a scheduled or blanket basis
- Farm liability, which is broader than personal liability
- What it doesn't cover
- Crops — that is federal crop insurance, written separately
- Custom work performed for hire, unless endorsed
- Typical limits
- Structured per structure and per equipment schedule. Liability commonly $1M.
- Worth knowing
- North of Frisco this comes up constantly — the moment a property has acreage, an agricultural exemption, or a barn, a standard homeowners policy stops fitting.
Common questions about farm & ranch
What does farm & ranch cover?
The farmhouse and outbuildings. Tractors, implements, and mobile equipment. Livestock, on a scheduled or blanket basis. Farm liability, which is broader than personal liability.
What does farm & ranch not cover?
Crops — that is federal crop insurance, written separately. Custom work performed for hire, unless endorsed.
What limits are typical?
Structured per structure and per equipment schedule. Liability commonly $1M.
What should I watch out for?
North of Frisco this comes up constantly — the moment a property has acreage, an agricultural exemption, or a barn, a standard homeowners policy stops fitting.