What is farm and ranch insurance?
Farm and ranch insurance, also called agricultural insurance, helps protect you and your business, whether you have a commercial operation, a family farm or ranch, or an estate farm.
Why you may need it
If you have a farm or ranch, you may need more coverage than a homeowners policy can offer. Homeowners insurance doesn’t apply to those operations. It may not cover buildings, equipment or vehicles related to your farm or ranch, either.
What types of farm and ranch operations does it help protect?
Hobby Farms
This typically covers one or two moderately valued dwellings you and your family occupy. Types of activities include growing crops and raising livestock.
Estate Farms
This agribusiness policy helps protect private estate farms that have high-value dwellings. It also covers risks of injury or damage.
Grain Growers and Ranches
This policy typically covers growing food sources, livestock operations, and loss of livestock due to theft or fire.
Equine Operations
This coverage helps protect horse breeding and stables whether you own one horse or have a full-scale commercial business.
Orchards and Vineyards
This policy add-on can help reduce your financial risks from damage to fruits, nuts and berries.
Coverage for standalone tractors you use on the farm
Get insurance for your tractor, implements and other mobile agricultural equipment. Coverage can include full replacement cost of your tractor if it’s less than seven years old.
Explore more coverage options for personal tractor insurance. You can get a tractor insurance quote online. To get a quote by phone, call a Travelers agent at 866-311-1446.
Why send me to Travelers for farm and ranch insurance?
We want the best for our members, even if that means referring them to another insurance company. We’ve aligned with Travelers because they have the experience and expertise needed to offer farm and ranch coverage.
How much does farm and ranch insurance cost?
Each operation has different coverage needs. A policy for a hobby farm might cost much less than a policy for a commercial grower and packer.
To get a quote, call Travelers at 866-678-0494. They have a team ready to support USAA members.
Farm and ranch insurance FAQ
Yes. Because the risk is minimal, a farm and ranch policy for these activities might be affordable while still providing liability coverage.
You may need liability insurance if an animal manages to escape and causes damage, or someone gets injured on your property while buying a product you sell.
Coverage may also be available for hobby farms with small poultry and estate farms with equine or hay operations.
Yes. Even if you don’t do any farming yourself, a farm and ranch policy helps protect you from liability exposure, especially if the renter is injured on your property.
Help protect your farm and operations.
Use our alliance with Travelers to help you get coverage that fits your needs.
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