Covering a farm or ranch with insurance requires more than insuring the home or business. A farm and ranch insurance policy from Outdoor Insurance Services protects your financial investment in the farm or ranch you purchased in the greater Houston, TX area.

In this blog, we explain the various types of coverage that go into a farm and ranch policy package, a custom insurance bundle designed for the agricultural industry. Some types of farm and ranch insurance packages consist of core coverages to which the agricultural producer can add optional coverages. These include:

• Farm dwelling
• Other farm Structures
• Other private (dwelling-related) structures
• Household personal property
• Scheduled farm personal property
• Liability coverage
• Additional living expenses
• Blanket coverage, also called unscheduled coverage.

These coverage types insure the home, its related buildings, and the buildings related to farm operations, such as barns, chicken coops, corrals, etc. They also provide protection for the property inside the home and the farm-related structures, plus liability coverage.

Add-ons and Riders Commonly Used in Farm and Ranch Insurance

Agricultural operations include a vast array of special insurance requirements to protect them from unexpected costs due to perils, such as drought or environmental pollution. The latter can occur if the ag producer improperly uses, stores, or disposes of chemical fertilizer, motor oil, or pesticides. Consider the following add-ons for your farm and ranch policy when relevant:

• Disruption of farm operations
• Equipment breakdown – farm equipment and outbuildings
• Ag-Plus II
• Enhanced pollutant clean-up
• Equine property
• Dwelling equipment breakdown
• Farm business computer
• High-value dwelling
• Orchard and vineyard growers
• Winery property endorsement.

Contact Outdoor Insurance Services

Protect your crops with crop storage coverage and your overall operation with chemical drift coverage. Contact Outdoor Insurance Services today to create a comprehensive insurance package that covers your Houston, TX area farm, ranch, or winery. Let us help you protect your financial investment.