Small Farm & Acreage Insurance in Texas
We help Texas small farm and acreage owners review insurance for their homes, outbuildings, animals and equipment. Include sales, visitors and work beyond your own household.
Key coverages to review
Home and outbuilding coverage
Include the home, barn, coop, sheds and other structures. Review the use, coverage and limits for each building, along with any recent changes.
Livestock coverage and liability
List your animals and who comes onto the property. Review coverage for loss of an animal separately from liability for injuries or damage involving it. Review farm and ranch liability insurance
Compact tractors and farm equipment
Include compact tractors, attachments and other machinery you own, lease or borrow. Explain household use, road use and transport. Review tractor and farm equipment insurance
Farm liability for sales and services
Tell us about eggs, produce, hay or other products sold, any paid services and customers visiting the property. We review the liability needs of those activities. Review agribusiness insurance for paid services
Does your homeowners policy fit the property?
Review your homeowners policy against the buildings, animals, equipment and activities on the property. Farm and business use may have limits or exclusions.
A small farm kept for personal enjoyment or household needs is sometimes called a hobby farm. A working farm aims to earn a profit, even if it has a loss year. Tax classification and insurance eligibility use different criteria. The IRS guide below explains tax treatment; we review your property and activities for insurance.
Include horses, boarding and lessons
Horse ownership raises value and liability questions. Boarding, training or riding lessons add business activities to review. Include who owns the horses and which services are provided.
What to have ready
Bring the details you have; complete paperwork is not required to start.
- Property address, acreage and how each building is used
- Animals by kind and approximate number
- Machinery, pickups, trailers and drivers, including personal trips and farm use
- Products sold, paid services, visitors and helpers
- Current homeowners or farm policies and purchase timing
Farm and ranch companies we work with
We can review your farm or ranch with more than one company, so you are not limited to one company’s answer.
Not every company writes every policy type, and availability changes by risk, location, and underwriting.
Small farm and acreage insurance questions
Is there a fixed acreage limit for a small farm?
Acreage limits differ by insurer. We review your land, buildings, animals and activities together when comparing options.
What if I sell eggs, produce or hay?
Tell us what you sell, how often and whether customers visit. We check product sales and visitor liability against your policy. Insurers consider the type and scale of activity alongside sales.
Does my homeowners policy address chickens or goats?
Check the policy provisions for the animals themselves and for liability involving them, including farm-use limits and exclusions. Bring the kinds and numbers of animals so we can review both.
What if I add boarding, lessons or paid farm work?
Tell us before starting the activity so we can review customer property, business liability, vehicles and anyone working with you.
What should I share before buying rural property?
Bring the address, intended use, buildings, animals and equipment, along with lender requirements and timing. Include your current policy if available.
Review your home and rural property together
Tell us about the buildings, animals, equipment and activities. Our Texas team will help you compare options for your home and rural property.