Farm and ranch insurance combines home and business coverage into one policy, protecting the place you live, the equipment you work with, and the livelihood you've built.
Every policy is built around your situation. We review what you have, find the gaps, and make sure you’re protected before you need to file a claim.
Covers your farmhouse or ranch home against fire, storm, and other covered losses, similar to a homeowners policy but designed for agricultural property.
Covers barns, silos, equipment sheds, grain bins, and other farm buildings on your property against covered losses.
Protects tractors, combines, planters, and other farm machinery against damage, theft, or breakdown.
Covers the loss of cattle, horses, hogs, and other livestock due to covered causes, including lightning, fire, and other specified perils.
Covers grain in storage or crops that have been harvested and are stored on-farm against fire, theft, and other covered events.
Protects you if someone is injured on your farm property or if your farm operations cause damage to others, including coverage for farm employees.
A standard homeowners policy won't cover farm structures, agricultural equipment, livestock, or farm liability. Farm and ranch insurance combines residential and agricultural coverage into one comprehensive policy that addresses both.
Farm liability coverage can provide some protection, but if you have regular farm workers, you may also need workers' compensation coverage. We review your specific operation and make sure you're covered for the people who work your land.
Farm equipment coverage typically includes tractors, combines, tillage equipment, planters, and other self-propelled or pull-type machinery. Coverage applies to damage from covered causes, not normal wear and tear or mechanical breakdown.
Yes, you don't need to be a commercial farming operation to benefit from farm and ranch coverage. If you have livestock, structures, or equipment on rural property, a farm policy may provide better protection than a standard homeowners policy.
Yes. We can review your complete coverage picture, farm, auto, life, and umbrella, and make sure it all works together efficiently. Bundling multiple policies with AmFam can also qualify you for multi-policy discounts.
Most policies have gaps. We find them before a claim does. Get a free, no-obligation review from Hill Agency & Associates.
This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance. Products underwritten by American Family Mutual Insurance Company, S.I. and its Operating Companies.
