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Farm and ranch insurance to help protect your livelihood

Get coverage for your way of life, from hobby farms to large agribusinesses. For a quote, call Travelers at 866-678-0494.

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.

What does a farm and ranch insurance policy cover?

We work closely with Travelers to help you get the coverage you need for your farm property and liability.

Your Investment

This includes farm dwellings and structures like barns and silos. It also helps protect any livestock you own and farm equipment, like sprayers and planters that could get damaged because of a covered loss.

Claims Against You

You may be protected if someone gets hurt on your property or you accidentally damage their property. You can also get coverage for legal costs if food you grow makes others sick.

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.

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 gets injured on your property.

Help protect your farm and operations.

Use our alliance with Travelers to help you get coverage that fits your needs.

Call 866-678-0494

For TTY devices, dial 711

Hours

Monday to Friday
8 a.m. to 6 p.m. CT
Saturday
Closed
Sunday
Closed

Other coverage you may need on the farm

 

  • Auto insurance
  • ATV insurance
  • Motorcycle insurance
  • RV insurance

 

  • Homeowners insurance
  • Rental property insurance

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  2. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

  3. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

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