Farm and Ranch Insurance

Building Your Custom Farm and Ranch Policy

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At Outdoor Insurance Services, we provide ranch and farm owners in the Houston, TX area with the insurance they need to protect their home and business interests fully. Let’s begin by defining what farm and ranch insurance entails.

Defining Farm and Ranch Insurance

Farm and ranch insurance is a custom policy package with various coverage components. You can tailor your policy to include the coverage you need from options such as home insurance, farm property (which covers elements like livestock and pesticides), farm liability, commercial vehicles, workers’ compensation, and crop insurance.

Creating a Custom Policy

We assist you in creating a policy that includes only the coverage you need. Everyone starts with the basics, covering your farmhouse, barn, and equipment. We won’t include livestock coverage in your policy if you farm but do not raise livestock. Conversely, if you’re a rancher who doesn’t grow crops and instead buys hay to feed your livestock, we won’t include crop coverage in your policy package.

This approach ensures a fair insurance policy that provides the coverage your farm or ranch needs without unnecessary additions. You receive all the coverage you need without incurring excess premiums.

Updating Your Policy

If you decide that growing your hay would be more cost-effective, contact us before planting your crop. Our insurance agents will help you update your farm and ranch insurance policy.

Request an Insurance Review

Contact Outdoor Insurance Services today to schedule an insurance review. Let us help ensure that your farm or ranch in the Houston, TX area carries the insurance coverage it needs.

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What a Farm and Ranch Insurance Policy Package Includes

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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.

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Get the livestock protection you need with a Farm & Ranch policy

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Outdoor Insurance Services is proud to help the farmers and ranchers in the greater Houston, TX region with all of their insurance needs. If you want to learn more about the Farm & Ranch policies available in our area, give our office a call today. We look forward to working with you!

Protect your livestock with a Farm & Ranch policy

Owning and operating a ranch and running livestock can sometimes be challenging. There are a lot of factors that are outside the control of the rancher, such as weather and feed-related issues. If you want to protect your financial interests, no matter how challenging the year may be, having a Farm & Ranch policy can provide that coverage. 

Livestock often represents the largest investment of a ranch. Raising and harvesting cattle and other animals can take a lot of work and a high investment of time and money. It makes sense to protect those investments and hard work. If you aren’t familiar with this type of insurance, now is an excellent time to find out more.

An experienced, local agent who understands the ranching business is an effective resource for learning more about the available insurance policy options. Why not learn more about how a Farm & Ranch insurance policy can help protect your livelihood today? Our team is here to provide any information you may need while selecting your policy.

Find out more today!

If you own livestock in the Houston, TX area, you can count on the Outdoor Insurance Services team for all your Farm & Ranch insurance policy needs. Contact our office today to learn more by scheduling an appointment. See you soon!

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How do I protect myself from loss if my livestock are destroyed in a weather-related incident?

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Ranchers and farmers who live in the Woodlands, TX area can call Outdoor Insurance Services and talk to one of our reputable agents if they have questions concerning insurance to protect their livelihood. They can provide all of the details a livestock owner needs in what is required to protect their livestock and crops fully. While many types of liability can be prevented, other types cannot. Whether the loss is weather-related or not, it’s essential to be fully informed at all times. 

Protect Your Livestock

As a farmer and rancher, it’s important to know how to maintain the safety of your livestock correctly. Providing ample food and water are only two of the most important necessities. An adequate shelter must also be provided to keep your livestock out of the hot, Texas sun. When there is too much rain, and flooding is an issue, you may need to move your livestock to higher ground to ensure they are fully protected.

Crop and Livestock Insurance

Crop and livestock insurance is available to protect ranchers and farmers from various types of financial disaster, including weather-related incidents. It is essential to know what types of loss are covered and what needs to be done to prevent various types of loss.

The agents at Outdoor Insurance Services can assist ranchers living in the Woodlands, TX area in getting the right type of coverage to protect their livestock. Don’t wait until a disaster happens! Call and talk to a reputable agent today. We can audit your current farm policy and make sure you are fully covered in every area possible. 

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