Farm and Ranch Insurance Coverage
Whether you’re a farmer whose primary focus is on agriculture, or a rancher who raises cattle or sheep, the land is your livelihood. And to keep a successful business running, you need the right protection. That’s why we’ll help safeguard your farm or ranch with customizable coverage that lets you build a single, hardworking policy.
Our Farm and Ranch Insurance Coverage Includes:
Dwelling coverage. Offers protection for your home and possessions against fire, lightning, windstorms, hail and most accidental losses, including vandalism and theft.
Farm personal property coverage. Provides protection for your livestock, feed, machinery and equipment.
Fair rental value. Pays the fair rental value of your farm home if it becomes uninhabitable due to a covered loss.
Farm outbuilding coverage. Helps protect your barns, machine sheds, detached garages or other outbuildings.
Farm liability coverage. Delivers protection for the unexpected — including bodily injury, medical expenses or farm property damage.
Additional living expenses. Pays for increases in living expenses if you have to move out of your home due to a covered loss.
Optional Farm and Ranch Insurance Coverages
Our optional coverages help you customize your policy to your specific farm and ranch needs. Consider it added protection for extra peace of mind.
Farm equipment breakdown coverages. This covers a direct physical loss to your covered equipment due to an accident.
Farm income coverage. Add this endorsement to your base coverage to get reimbursed for loss of farm earnings and extra expense and/or farm rent when your covered property is damaged by an insured peril.
Replacement cost coverage for irrigation systems. This optional coverage provides replacement cost for irrigation systems when pre-specified conditions are met.
Additional farm and ranch property coverages. Optional coverage that offers extra protection, including increased limits on borrowed machinery, additional livestock hazards and more.
Supplementary coverages. Extra protection built into your policy for fire department service charges, debris removal, signs, fences, trees and more.
Other coverages. Complete insurance protection for farmers including replacement coverage for outbuildings, medical expense coverage for employees, peak season coverage that provides increased coverage for specific periods of time and more.
How Does a Farm/Ranch Umbrella Liability Policy Work?
Here’s a scenario: an animal on your farm strays and causes a multi-vehicle pileup, and you’re left with
several lawsuits, medical costs and legal bills amounting to $4 million.
Fortunately, you’re already a proactive protector, and have an American Family farm/ranch insurance
policy with liability limits up to $1 million. You also were savvy enough to get an American Family
farm/ranch umbrella policy with liability coverage up to $5 million. Your primary farm/ranch policy would
cover the first $1 million, while your farm/ranch umbrella policy would cover the remaining $3 million.
Want to protect your future with a farm/ranch umbrella policy? As long as you have a primary farm/ranch
policy with American Family, you’re ready to take the next steps — talk to your agent today!
What Does Farm/Ranch Umbrella Liability Insurance Cover?
American Family Farm/Ranch Umbrella Liability insurance can be custom-built just for your farm, allowing
you to select liability limits in million-dollar increments, from $1 million to $10 million or more.
You, your farm or ranch, your employees and anyone named on your policy will be protected by our
farm/ranch umbrella insurance. Our policies will cover liabilities for physical injuries to others, damage to
others’ property, and situations when you’re liable for violating someone’s privacy or defaming their
character. Farm/ranch umbrella policies also cover injuries to others and damages to other property that
you’ve caused if you’re using a boat that’s not your own, as well as accidents that may happen when you
rent cars in other countries.
For more information view all umbrella FAQs. Make a smart move today to protect your land, your
equipment and all that’s yours. Your agent can help add farm/ranch umbrella liability insurance to your
Farm Insurance Loss Control Resources
American Family Insurance is committed to protecting farms and ranches like yours, so you can continue to thrive and succeed. That’s why we supply resources to help you take care of your business and the people that help it grow every day.
What is loss control? It’s having effective safety and risk management programs in place to protect your employees, assets and keep your business goals on track. Our loss control resources give you the knowledge you need to help reduce claims and losses through informative and instructive safety and risk management information.