Farm & Ranch Insurance

Specialty insurance solutions tailored to your unique needs.
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Cultivating trust and harvesting confidence with liability insurance solutions from XINSURANCE.

You can rely on us to provide reliable insurance coverage solutions and unwavering support for your farm or ranch operations.

The Importance of Farm & Ranch Insurance

As a farm or ranch owner, having farm and ranch insurance is crucial to safeguarding your livelihood and protecting against unforeseen circumstances. At XINSURANCE, our farm and ranch insurance solutions go beyond the cheap and limited coverage options available in the market. Our insurance solutions not only protect your farm or ranch property and its operations but they also include coverage for common exclusions such as dogs, horses, stables, heavy equipment, etc.

With XINSURANCE, you can rest assured that your farm or ranch is fully protected from the potential risks and uncertainties that come with agricultural operations. We understand the unique challenges you face and offer tailored coverage options that address these specific needs. Don’t settle for cheap insurance that leaves you vulnerable to unexpected losses. Choose XINSURANCE for reliable coverage that goes above and beyond, ensuring the long-term security and success of your farm or ranch business.

Who Should Have Farm & Ranch Insurance

  • Farm Owners
  • Ranch Owners
  • Hobby Farmers
  • Agritourism Operations
  • Farm Workers
  • Agricultural Businesses
  • And More!
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Coverage Options for Farm & Ranch Insurance

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by any animals you own, including dogs, horses, and other farm animals. Learn more.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Pollution Clean-Up

Covers the costs associated with pollution clean-up caused by your business.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Firearms Liability*

Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.

*Available in most states

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Special Events Liability

Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Farm & Ranch Insurance

What is farm and ranch insurance?

Farm and ranch insurance provides specialized coverage for the unique risks associated with agricultural operations. Our customized liability insurance solutions include protection for property, liability, and natural disasters such as floods, wildfires, and tornadoes. With XINSURANCE, farmers and ranchers can have peace of mind knowing that their assets and livelihoods are properly protected. Partner with us for tailored coverage, exceptional service, and reliable support for when things go wrong.

Do I need farm and ranch insurance if I have homeowners insurance on my farm property?

Homeowners insurance is not designed to cover farming operations, agricultural structures, or livestock. Farm and ranch insurance is necessary to provide comprehensive coverage tailored to the unique risks of farming and ranching activities.

How much does farm and ranch insurance cost?

The cost of farm and ranch insurance is influenced by factors such as the size of the farm or ranch, the types of crops or livestock, the value of equipment and buildings, the location of the property, past claims history, the coverage limits selected, and more.

It is best to contact us and tell us more about your situation and your needs so we can provide a personalized quote to you.

Does farm and ranch insurance cover natural disasters such as floods, wildfires, or tornadoes?

Most farm and ranch insurance policies will exclude certain weather perils such as floods and wildfires. Unlike traditional providers, we don’t shy away from these specific risks. Whether it’s damage caused by a flood, a devastating wildfire, or the destructive force of a tornado, XINSURANCE is committed to providing the coverage solutions you need. We understand the impact these events can have on agricultural operations, and our goal is to support and protect you and your business.

Can I add coverage for specialized farm equipment or structures to my farm and ranch insurance policy?

Yes, with XINSURANCE, you have the option to include coverage for specialized equipment, outbuildings, barns, and other structures on your farm or ranch. This allows you to tailor your policy to your specific needs. Most insurance companies will exclude this coverage or have gaps that don’t adequately cover you.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service