The life of a rancher is not an easy one. The days are long, the nights are short. And it’s gotta be hard remembering all the names of every one of your animals, right? You have a lot on your plate when you’re trying to put food on the plates of others.
Our independent insurance agents search far and wide, rounding up the right ranch insurance policy options for you. And if that makes you want to name us honorary ranch hands, we’d be cool with that.
Ranch insurance is a lot like farm insurance, because ranches are a lot like farms. The difference lies in what you’re growing. A farm specializes in crops, where a ranch focuses on livestock. But the goal of both is the same, to protect your property, family and livelihood from unexpected damage and loss.
Ranches are a unique situation in terms of coverage. Since a ranch most often includes both your home AND your business, it’ll need to be covered that way. Ranch insurance policies typically begin with the following:
Then, it’s bonus time. Depending on your unique situation and your goals for the ranch, a few additional coverages worth considering are:
And to cover the business side of ranching, you may want to consider:
You’re a rancher because you love it. And it’s in your blood. While the rewards can be great, the risks are even greater. And when your ranch is your home, your business AND your family’s income, there’s an awful lot at stake.
Sit down with one of our independent insurance agents. They’d love to talk to you about your ranch and how to properly protect it. Once they’ve got a good, clear picture of your situation, they’ll be able to show you just how important the right coverage is for your ranch.
Well, what kind of ranch are we talking about here? A couple of grazing longhorns or an army of bison on thousands of acres? Your policy premiums depend entirely on the size of the ranch, what kind of home you need insured, barns, your inventory of livestock, and a lot more.
An agent can drum up a nice little estimate that will give you a more accurate forecast based on your ranch insurance needs. To get a quote, you’ll need info like:
Your agent may require more information based on your coverage needs, but it’s definitely a good starting point to help you show up prepared.
Your ranch insurance needs will no doubt change over the years, just as markets and technology will change any business. Maybe you'll decide to open up your ranch and offer special tours for city slickers to come and get their hands dirty.
Well, you’ll need to consider increasing your liability coverage to protect your ranch if someone gets injured. Stay in close contact with your insurance agent and maybe pencil them in on your calendar for a call every year or so. They’ll love hearing from you.
Our agents will review your needs and help you evaluate which type of ranch insurance makes the most sense for you. They'll also compare policies and quotes from multiple insurance carriers to make sure you have the right protection in place. For you and your family.
Insurance policies can be complex and searching through options can be confusing, time-consuming and frustrating. An independent agent's role is to simplify the process.
They’ll make sure you get the right coverage that meets your unique needs. Not only that, they’ll break down all the jargon and explain the nitty-gritty, so you understand exactly what you're getting.