Farm Insurance in Texas
Growing crops or raising livestock as a business? We help Texas farm owners compare insurance for their homes, buildings, equipment and farm activities. Tell us what you produce, where you farm and what has changed.
Key coverages to review
Include land you own or lease, the people responsible and the work carried out at each location.
Farm buildings and property
List the home, barns, equipment sheds and other farm buildings, their uses and current rebuilding estimates. Review covered causes of loss, roof terms, wind and hail deductibles, and any limits for storage or business use.
Tractors and farm equipment
List tractors, balers and implements you own, lease or borrow, their values and where they work. Include attachments and machinery kept or used away from the home farm. Review tractor and farm equipment insurance
Livestock and stored goods coverage
List animals, feed, hay and harvested products by value, ownership and location. Review the covered causes of loss and limits for each. Livestock coverage and liability involving animals serve different purposes.
Farm trucks and trailers
Review farm truck insurance for pickups and other vehicles used in your operation. Include trailers, drivers, personal trips and hauling feed, hay, livestock or equipment. Review vehicle damage and road liability separately from machinery coverage, and include any hauling for others. Review commercial auto insurance
Growing your own products or doing work for others?
Working farms grow crops or raise livestock for sale as a business. Include growing crops on leased ground, raising animals and selling what you produce. A working farm operates with the intent to earn a profit; a loss in one year does not make it a hobby. Tax treatment does not determine insurance eligibility.
Custom baling, spraying, harvesting or hauling as services for others, processing products, storing goods for customers and paid visitor activities bring additional insurance needs. We review those activities alongside your own farm and compare farm and commercial options.
Bring the details you have
Start with your current policies and the changes you are planning. You do not need complete paperwork before you contact us.
- Farm addresses, owned and leased ground, including any acreage added since renewal
- Buildings, uses and rebuilding estimates; equipment lists and values
- Livestock, stored products and peak seasonal values, including hay stored after harvest
- Employees, farm trucks, trailers, drivers, product sales and any additional services or activities
- Leases, lender requirements, recent claims and your renewal or purchase date
Farm insurance questions
Will a homeowners policy address my working farm?
A homeowners policy can limit or exclude farm buildings, machinery, livestock, product sales and agricultural activities. We review your home and farming operation together to identify where farm coverage is needed.
Does farm property insurance cover crop yield or revenue?
For crop yield or revenue protection, review crop insurance separately from farm property and liability. Crop insurance has its own products, eligibility and deadlines. The USDA Risk Management Agency provides information and an agent finder.
What should I check when I farm leased land?
Bring the lease and identify the landowner, tenant, buildings, equipment and responsibilities. We compare the lease requirements with the people, locations and activities included in your insurance.
Crop insurance information: USDA Risk Management Agency (opens in a new tab)
Talk through your farm with our Texas team
Start a Farm quote or call with your current policies and operation details. Our Texas team will help you compare options and understand the coverage before you choose.
Stover & Crouch Insurance Based in Texas. Established in 1920.