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Farm and Ranch Insurance

What Is Farm and Ranch Owners Insurance?

Farming and ranching is more than what you do, it’s who you are. And with American Family Insurance, we’ll provide coverage that protects everything you work hard for each day. We’ve been protecting and insuring farmers for over 90 years — learning from experience along the way to better protect your livelihood.

Farm and ranch owners insurance is dual coverage that protects your operation and the home that you live in. With it, you’ll have a custom blend of homeowners coverage and business insurance with additional options to best fit the specific needs of your farm or ranch.

Our farm and ranch agents are part of your community. They understand farmers and know how to help you build a farm insurance policy with coverage that’s customized to your farm’s unique needs. Find your agent today and request a farm insurance quote. In the meantime, take a look at our coverages.

  1. Narrator: At American Family Insurance, protecting farms and ranches is at the heart of what we do. That's why we're here to help safeguard your farm or ranch with a policy that's customized specifically for you.

    On screen: American Family Insurance

    Narrator: Our farm policies include coverages for your home and possessions, outbuildings, livestock, feed, machinery, equipment and liability.

    On screen:

    • Homeowners Insurance
    • Personal Property Replacement
    • Farm Outbuilding Coverage
    • Livestock Coverage
    • Feed Coverage
    • Farm Personal Property Coverage
    • Farm Equipment Property Coverage
    • Liability Umbrella Coverage

    Narrator: You can pick and choose the coverages for your operation, and customize the coverages for their exposure.

    On screen:

    • Homeowners Insurance
    • Farm Outbuilding Coverage
    • Livestock Coverage
    • Feed Coverage
    • Farm Equipment Property Coverage

    Narrator:We also provide replacement cost coverage for farm machinery, including irrigation systems.

    On screen:Farm Equipment Property Coverage

    Narrator: Because we get that no two farms are the same you have the option to increase their limits and add additional coverages, like in case your farm equipment breaks down or you experience lost income.

    On screen:

    • Homeowners Insurance
    • Farm Outbuilding Coverage
    • Livestock Coverage
    • Feed Coverage
    • Farm Equipment Property Coverage
    • Liability Umbrella Coverage

    Narrator For help building a policy that's unique to your farm, an American family agent is in your community and ready to answer your questions. Get in touch today.

    On screen:American Family Insurance

    On screen:Talk to your American Family agent

Family Farm and Ranch Insurance Coverage

Whether you’re a farmer who grows corn or a rancher who raises cattle, the land is your livelihood. And to keep a successful business running, you need the right protection for your property and its structures. That’s why we’ll help safeguard your farm or ranch with customizable coverage that lets you build a single, hardworking policy.

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 coverage

This coverage helps pay for the fair rental value of your farm home if it becomes uninhabitable due to a covered loss. You’ll have coverage to pay for rent elsewhere while your home is being repaired.

Also, if you’re renting out a space to tenants on your farm, and that space incurs a covered loss that renders the space uninhabitable, you’ll have coverage that can help pay the fair rental value of that rental. And that can make a big difference to your bottom line.

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 coverage

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, extra expenses 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.

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?

Loss control means having effective safety and risk management programs in place to protect your employees and 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.

Get Your Farm and Ranch Insurance Quote

Like you, American Family’s roots are in farming. When your farm or ranch is insured with American Family, you have a team of professionals behind you with the knowledge and experience to make sure your farm and ranch coverage needs are met, your questions answered and any claims are handled quickly. Talk to your agent today to get a quote.

These summaries represent only a brief description of select coverages. Coverage features and limits vary by state. Some products are not available in every state.