Why consider getting a farm and ranch policy?
No matter the size of your operation, whether you own or rent, or raise crops or livestock, our farm and ranch policy may help meet your unique insurance needs. Farm and ranch insurance is available in 33 states. Your State Farm agent can help you determine if it would be a good fit for you and your business.
What types of farms and ranches are covered by State Farm?
Here are some examples of the farms and ranches that may be covered by a State Farm policy.
Farms
- Hay/Grain
- Orchards
- Fruit
- Vegetables
- Nut Trees
- Cotton
Ranches
- Cattle
- Goats
- Swine/Hogs
- Sheep
Other
- Dairy operations
- Pecan and olive groves
- Grapes/Vineyards/Raisins
- Land leased/Rented to others
Farm and ranch insurance vs. a homeowners policy
Here are possible scenarios when a farm and ranch policy may be better suited for farming or ranching customers rather than a traditional homeowners policy.
For this discussion, farmland includes tillable land, pasture and range land.
- Farm and ranch coverage may help protect the variety of structures and equipment on your land
- You may operate your farm as a “share-crop.” You and the person farming the land for you may share in the expenses, as well as the profits, from the crops or livestock
- If you have more than 500 acres of cash-rented farmland, a farm and ranch policy may be needed
What does farm and ranch insurance cover?
This insurance helps provide a broad range of coverages for farmers and ranchers.
Household property
Helps provide insurance protection for household personal property in your dwelling, like clothes, furniture, and appliances if you live on your farm or ranch
Farm liability
Covers your legal liability up to the limits in the policy for damages because of bodily injury or property damage resulting from covered claims
Helps cover injuries to others that might occur on your property. Also known as guest-medical payments, it helps provide limited coverage if a third party is accidentally injured and needs medical treatment
The coverage may also extend to people accidentally injured by your activities on the farm or ranch
Losses insured
May provide coverage for perils (like fire, lightning or other weather events, explosions, riot/civil unrest, or vandalism) for certain eligible property
Inflation coverage
May increase coverage for home, contents and other buildings to help keep pace with inflation
Wildfire Mitigation Discounts
In California, policyholders who take proactive steps to help protect their home from wildfires may be eligible for one or more Wildfire Mitigation Discounts. Discounts may be available at a Community Level for policies located within designated communities. Or, for those policies meeting specific qualification criteria, discounts may be available at a Property Level. Check with your State Farm agent to learn more about Wildfire Mitigation Discounts.
Coverage in action
Lightning strikes a barn on your property causing a fire loss. The building and farm personal property may be covered.
What is farm personal property coverage?
Farm personal property coverage does exactly what it says: It helps protect farm machinery, grain, livestock and farm tools that you’ll use in your farming operations.
Frequently asked questions about farm and ranch insurance
Yes, raising and selling livestock may be covered, but there are some conditions to keep in mind.
Farm and ranch insurance helps cover the following animals:
- Cattle
- Sheep
- Swine/hogs
- Goats
- Equine
Reach out to your State Farm agent for specific information about livestock coverage.
Grain bins and silos may be covered if specifically listed on the policy, subject to certain requirements.
Protect your place from electrical fires
State Farm and Ting could help you prevent electrical fires before they happen – for free.
Explore Ting
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Simple Insights®
Looking for ways to help keep your small business running smoothly? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.
This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.
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State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
State Farm Fire and Casualty Company
State Farm General Insurance Company
State Farm Life Insurance Company (Not licensed in MA, NY or WI)
State Farm Life and Accident Assurance Company (Licensed in NY and WI)
Bloomington, IL
State Farm County Mutual Insurance Company of Texas
State Farm Lloyds
Richardson, TX
State Farm Fire and Casualty Company
Tallahassee, FL