Farm Equipment Insurance in Texas
We help Texas farm owners compare insurance for tractors, balers, sprayers and implements. Tell us what you own, borrow or lease, where it works and whether you use it for paid work on other properties.
Scheduled and blanket equipment coverage
Scheduled coverage lists machines individually; blanket coverage uses a shared limit for eligible equipment. Review which items need to be listed, the limits and how newly acquired equipment is handled.
Review the settlement terms alongside the insured amount. Depreciation, deductibles and valuation provisions affect payment for a covered loss, so compare those terms with your current equipment values.
Key coverages to review
Tractor and equipment damage
List where machinery is stored and used. Review covered causes of loss, theft conditions and limits, and check how the policy treats mechanical breakdown and wear.
Farm trucks, trailers and road use
Driving a tractor on a public road and hauling it on a trailer raise different questions. Review farm truck insurance, trailer damage and road liability separately from damage to the machine. Review commercial auto insurance
Borrowed and leased equipment coverage
Identify the owner, lender or lessor and bring the agreement. Ask which policy addresses the machine, what limits apply and whether proof of insurance is needed.
Equipment used for custom farming
Include paid baling, harvesting, spraying and other work on someone else's property. We review the machinery and services together for commercial use. Review agribusiness for custom baling and harvesting
Update your list when equipment changes
Tell the office when you buy, sell, lease or replace a machine. Keep identifying details and a recent value estimate, and check the list at renewal. Get confirmation from the office or carrier that the change has been made.
What to have ready
An existing list is a useful starting point. Bring what you have.
- Make, model, year and serial number for major machines
- Ownership, lease or finance details and any lender request
- Current value estimates and the date they were checked
- Storage locations, road use, transport and any work for others
- Current policies, schedules and relevant agreements
Farm equipment insurance questions
Can a compact tractor be reviewed under farm equipment insurance?
Yes. Bring the make, model, value and attachments, and explain household use, farm work or paid services. We use those details to compare equipment coverage options.
Does equipment insurance include mechanical breakdown?
Not automatically. Ask which covered causes of loss apply and whether a separate breakdown option is available for the machinery. Wear, maintenance and mechanical failure need their own review.
What if I borrow or lease a machine?
Bring the agreement and identify who owns the machine. Review responsibility for damage, required limits and the applicable policy before the work begins.
Does operating on the road change the questions?
Yes. Review the machine, towing vehicle, trailer and drivers together, with separate attention to equipment damage, vehicle damage and road liability.
Should I tell you about custom baling or harvesting?
Yes. Include services for others, where you work, the equipment involved and any agreements so we can review the machinery for commercial use.
Review the equipment you actually use
Bring your equipment list and current policy. Our Texas team will help you compare coverage, values and deductibles for the machinery you use.
Stover & Crouch Insurance Madisonville, Texas, since 1920