The more you know about ranch insurance, the better choices you’ll make for your operations.

A ranch insurance policy covers your property and provides some liability coverage for your home and ranch operations. While ranch insurance policies differ, in general you’ll find four areas of protection:

  • Home and contents, including detached garages and other buildings
  • Ranch personal property
  • Ranch structures
  • Liability protection

Ranch insurance

An ranch insurance policy can provide Basic, Broad or Special coverages depending on the type of property you own:

  • For dwellings, contents and farm structures, you can select the level of coverage that’s right for your operation.
  • For equipment, livestock and other personal property used in your operation, your insurance policy will define your coverage based on which Causes of Loss apply.


A farm insurance policy covers your property and provides liability coverage for both your home and your farming operation.  While farm policies differ, in general there are four areas of protection:

1.  Home and contents (including detached garages and other buildings)
2.  Farm personal property
3.  Farm structures
4.  Liability protection

Home & Contents
Generally, your farm insurance covers:
Home and tenant dwellings
Household personal property or contents
Detached garages and other structures

Coverage for home and contents can be written for Basic, Broad or Special causes of loss.  Often Special is chosen for the dwelling structure and Broad for the contents
Debris Removal
Credit Card Theft
Loss of Use

Some other points to ponder:
Inflation Protection
Landlord Furnishings


Farm Personal Property
Coverages include items used in your farming operation, generally in three categories:  1) Farm Machinery and equipment, 2) Livestock, 3) Farm Products (such as seed, silage, animal feed, pesticides, fertilizers, etc).

Items you may wish to consider:
Blanket or Scheduled
Farm Machinery and Equipment
Farm Products

Some other points to ponder:
Borrowed Farm Equipment
Rental Reimbursement on Farm Equipment
Newly Acquired Property and Livestock
Damage during Towing and Hitching
Foreign Object Damage
Equipment breakdown
New construction
Contact with the Roadbed or Ground
Cab Glass Coverage
Hired employee

Farm Structures
Your farm policy should cover loss or damage to buildings and structures used in your farming operations.  This includes barns, confinement facilities, dairy parlors, silos, portable buildings, pens, chutes and corral fencing, building materials intended to be used on farm buildings, and fixed irrigation equipment.


Liability Protection
Liability coverage is not an option, it’s a must.  If someone is hurt on your property or as a result of your actions, you may be held liable.  If someone becomes ill as a result of a product you produce, you may be held liable.  The liability portion of your policy covers expenses that you are legally liable to pay due to bodily injury or property damage, provided that the cause of the injury or damage is not excluded in your policy.  Your coverage includes attorney’s fees and costs to defend, which could be the most important aspect of protection.

Some points to ponder:
Unwarranted Animal Cruelty Lawsuits
Employment Practices Liability Insurance
Off-Premises Use of Farm Equipment
ATV/Recreational Vehicles
Products Liability
Equine Operations

Farm policies generally extend liability coverage for some limited amount of custom farming.  Coverage is usually determined by the amount of receipts generated by custom farming.