Farm and Ranch Insurance in Texas | Protect Your Land & Livestock
Let’s get started, please fill out the form for your commercial insurance quote!
Farm & Ranch Insurance Products
Owning a farm or ranch in Texas isn’t just a lifestyle — it’s a business, a heritage, and often, a family’s legacy. From unexpected weather events to accidents involving equipment, the risks involved in agriculture are real and constant. That’s where farm and ranch insurance comes in — designed specifically to safeguard your home, property, assets, and livelihood.
In this guide, we’ll walk you through what farm and ranch insurance actually covers, what it doesn’t, how much it typically costs in Texas, and how to choose the right policy for your needs.
ShopTexasInsurance.com is your #1 online resource to savings! The simple way to shop insurance quotes online -Built by Texans for Texans! We're here to protect your peace of mind with personalized insurance solutions designed to meet your unique needs.
What Is Farm and Ranch Insurance?
Farm and ranch insurance is a specialized policy that blends personal and commercial coverage to suit the unique needs of rural landowners and agricultural businesses. Unlike standard homeowners insurance or commercial business policies, it accounts for both your residence and your farming operations — whether full-time, part-time, or hobby-based.
These policies are highly customizable because every farm or ranch is different. Whether you raise cattle in the Hill Country, grow cotton in West Texas, or own a hobby farm outside Dallas, a tailored policy ensures your property and assets are adequately protected.
When you work with Shop Texas Insurance, our agents take the time to understand your property, your risks, and your goals. Then, we match you with a policy from a top-rated carrier that checks all the right boxes.
What Does a Farm and Ranch Policy Cover?
Here’s what most farm and ranch policies include, and what Shop Texas Insurance can help customize for you:
- Your home (primary dwelling)
- Barns, sheds, stables, silos, and outbuildings
- Farm equipment (tractors, plows, irrigation systems)
- Livestock (cattle, horses, poultry, etc.)
- Crops (with optional endorsements)
- Farm personal property (tools, feed, seed, fencing)
- Liability coverage (injuries to visitors or third-party property damage)
Farm and ranch insurance acts as a safety net for both day-to-day risks and catastrophic events, ensuring you can recover quickly from losses and continue operations.
Many of our clients come to us unsure of what they need — and that’s okay. Our experienced agents walk you through every option, ensuring you’re not over- or under-insured.
Do I Need Both Farm and Ranch Insurance?
Not necessarily — most providers offer a combined “farm and ranch” policy that covers both types of properties under one plan. However, the terms “farm” and “ranch” often differ by what’s being insured. For example:
- A farm typically includes crop operations and equipment.
- A ranch usually involves livestock, fencing, and pasture management.
Regardless of terminology, what matters is that the policy fits your specific activities and assets.
Need help choosing?
What’s the Difference Between Homeowners and Farm Insurance?
At a glance, it might seem like your homeowners policy would cover your farmhouse and maybe even a few tools. However, most homeowners insurance excludes agricultural use of the property. That means if you board horses, grow crops for profit, or sell livestock, you’re likely uninsured under a standard plan.
Can I combine home and farm insurance?
Yes — in fact, bundling your personal dwelling with your agricultural operation under a single farm and ranch policy is the most common approach. This not only simplifies your insurance plan but ensures that both your living space and business assets are protected.
What makes a farm policy different from commercial policies?
While commercial policies focus strictly on business operations, farm and ranch insurance blends personal and commercial protections. This hybrid approach is essential because many farms and ranches are both homes and businesses — requiring nuanced coverage that adjusts to your lifestyle and income streams.
Shop Texas Insurance will assess your current coverage and identify any gaps. We often discover clients are unknowingly exposed to risks that a standard policy won’t touch.
Pro Tip
If you’re earning even a small income from farming or ranching activities, you likely need specialized coverage.
Key Coverage Areas
No two farms are the same, which is why coverage is flexible and modular. Here’s a deeper look at what’s typically included — and what may need to be added.
Are crops and livestock covered automatically?
No — they’re often optional add-ons. Basic policies usually include structures and liability, but crops and livestock may require scheduled endorsements. For example:
- Crop insurance protects you from weather-related loss or low yields.
- Livestock coverage can be either blanket or scheduled, depending on herd size and value.
If your operation depends heavily on either, make sure they’re explicitly included in your policy.
Is liability included in farm insurance?
Yes — and it’s critical. General farm liability covers injuries to visitors, delivery personnel, or hired workers while on your property. It may also cover:
- Accidental damage caused by your livestock (e.g., if a bull breaks a neighbor’s fence)
- Legal defense costs
- Medical expenses for injured third parties
Additional umbrella liability coverage is available for operations with higher exposure, such as agritourism or horseback riding.
Our team helps you evaluate whether you need add-ons for:
- Livestock mortality
- Equipment breakdown
- Crop failure
- Natural disasters like floods, hail, or drought
We also offer umbrella liability options and additional protections for:
- Boarding horses
- Agritourism events
- Farm stand sales
- Seasonal employees
What is not covered by a farm insurance policy?
Exclusions vary, but commonly not covered are:
- Flooding or earthquakes (without separate endorsements)
- Mechanical breakdown of equipment
- Employee injuries (requires workers’ comp)
- Intentional damage or neglect
- Pollution incidents (such as chemical runoff)
Always review your exclusions to avoid surprises when filing a claim.
Does farm insurance cover natural disasters in Texas?
Texas is known for its volatile weather — hail, tornados, hurricanes, and droughts are common. Most farm policies cover wind, hail, fire, and lightning, but flood coverage must be purchased separately through the National Flood Insurance Program (NFIP) or private insurers. Wildfire coverage may also be an add-on in certain rural zones.
How much is farm insurance in Texas?
On average, expect to pay between $1,000 and $6,000 per year.
Costs and Considerations
The cost of farm insurance in Texas varies widely depending on:
- Total acreage
- Property value
- Equipment inventory
- Type of crops or livestock
- Location and weather risk
- Liability limits
Most of our farm and ranch clients in Texas pay between $1,000 and $6,000 per year, but we’ve built plans both below and well above that depending on the complexity of the operation. Large commercial operations can exceed $10,000 annually. The best way to get an accurate figure is by requesting a tailored quote.
Shop Texas Insurance works with multiple carriers, so we shop the market for you — getting you the best protection at the most competitive rate.
Can I get insurance for a hobby farm?
Yes, and it’s highly recommended. Hobby farms — even those with small vegetable gardens, chickens, or goats — still carry risks. If you’re selling at a local farmer’s market, hosting events, or boarding horses, you may be liable for injuries or damages. Hobby farm insurance is typically more affordable and simpler than full commercial coverage but still provides essential protections.
Get a Free Quote Today
Don’t wait for a storm, fire, or accident to realize you’re underinsured.
Secure your farm, your family, and your future with comprehensive, affordable farm and ranch insurance.
Why Choose Shop Texas Insurance?
At Shop Texas Insurance, we don’t just write policies — we live the rural lifestyle. We understand what it means to walk your land after a storm, feed animals before sunrise, and run a small agri-business with pride.
Here’s what sets us apart:
- Local expertise: We know Texas farming and ranching — from the Panhandle to the Gulf.
- Customized coverage: Your policy fits your operation, not the other way around.
- Top-rated carriers: We work with trusted insurers offering competitive rates.
- Fast quotes & service: Get answers when you need them — no long waits or phone trees.
We advocate for you: If a claim ever arises, we stand with you every step of the way.