Ranch Insurance in Texas
We help Texas ranch owners compare insurance for their buildings, equipment, livestock and ranch activities. Include leased pasture, hired help, paid work and hunting access in the same review.
Start with how your ranch operates
Describe the cattle operation, hay production, owned land and leased pasture, plus the home, barns, pens and shops. We review how your property is listed and valued, along with liability for visitors and ranch activities.
Key coverages to review
Ranch buildings and property
Bring addresses, uses and current rebuilding estimates. Review covered causes of loss, wind and hail terms, deductibles, and the treatment of barns, pens and fencing.
Cattle and livestock coverage
List cattle and other livestock, their values, locations and ownership. Review coverage for loss of the animals separately from liability involving them, including covered causes, limits and exclusions.
Ranch liability insurance
Include buyers, guests, workers and hunting access. Bring leases and waivers so we can compare their requirements with your liability coverage.
Ranch trucks, trailers and machinery
Review machinery coverage separately from insurance for ranch pickups, farm trucks and stock trailers. Include drivers, personal use and hauling cattle, hay or feed. Explain any hauling for others. Review farm equipment insurance
Own-property work or services for others?
Include paid baling, harvesting, hauling, boarding and other services, along with the people or businesses responsible. We review the services you provide alongside your own ranch operation.
Hobby farm insurance focuses on rural homes and personal activities. Agribusiness insurance focuses on services for others, processing and storage. Ranch insurance starts with your cattle operation, grazing and ranch property.
What to have ready
Bring the records you have and identify anything that needs checking.
- Addresses, acreage and leases, including pasture added or no longer used
- Buildings, equipment, ranch trucks, trailers and current value estimates
- Livestock numbers, values, ownership and locations, including cattle moved to leased pasture
- Drivers, employees, services for others, hunting access and other activities
- Current policies, leases, agreements and requested insurance requirements
Ranch insurance questions
How does a ranch review differ from a homeowners review?
A ranch review includes agricultural buildings, machinery, livestock, land use and activities that a homeowners policy may limit or exclude. We review the ranch home and operation together.
Does ranch liability cover loss of my cattle?
Ranch liability addresses responsibility for injuries or damage involving cattle. Coverage for loss of your cattle is reviewed separately, including covered causes, limits and exclusions.
What should I bring for leased pasture?
Bring the lease, identify the landowner and tenant, and describe animals, fencing, water, access and responsibilities. Check the people or entities insured and the activities addressed by each policy.
What if we allow hunting?
Explain paid or unpaid access, guests and other activities, and bring the agreement. We check hunting activities, the people insured, limits and exclusions. A lease or waiver is separate from insurance.
How should ranch trucks and trailers be reviewed?
Include the vehicles, trailers, drivers, trips and what is hauled. Review equipment damage, vehicle damage, cargo and road liability separately, including any hauling for others.
Review the land, livestock and work together
Bring your current policies and operation details. Our Texas team will help you compare options for the ranch you run.
Stover & Crouch Insurance Madisonville, Texas, since 1920