Get coverage that fits your way of life, from hobby farms to large agribusinesses. Travelers has dedicated experts ready to help.
Call 866-678-0494 to get a quote.
When your home or livelihood is tied to farming or ranching operations, you may need insurance protection that goes beyond a standard homeowners policy. We work closely with Travelers to help USAA members get the farm and ranch coverage they need.
Through our alliance with Travelers, we can help you get coverage that meets your needs.
Farm and ranch insurance, or agricultural insurance, helps protect you and your business, whether you have a commercial operation, a family farm or ranch, or an estate farm.
What does a farm and ranch insurance policy cover?It includes property coverage for farm dwellings and structures, household furnishings and scheduled farm equipment, such as tractors. It provides liability coverage for injury and damage to others and may help cover legal fees for farming activities on estate or hobby farms, regardless of fault. If you have cattle, livestock or horses, or you grow crops, you may need farm and ranch insurance.
How much is farm and ranch insurance?Every operation is different and has different coverage needs. A policy for a hobby farm likely costs much less than a policy for a commercial grower and packer. You can tailor your policy to your needs, however small or large. Call Travelers at 866-678-0494 for a quote.
Will my homeowners policy cover my estate farm or hobby farm?Your standard homeowners policy won't cover many things found on estate and hobby farms, such as vineyards, buildings, equipment, livestock and horses. It also may not cover legal fees for farming activities.
Do I need a farm and ranch policy for a few chickens or 4H animals?Because the risk is minimal, a farm and ranch policy for these activities is affordable while still providing liability coverage. This includes animal escape, product coverages and on-premise public exposure. Coverage is available for hobby farms with small poultry and egg sales operations.
Do I need agricultural insurance if I lease or rent my property for farm and ranch operations?Yes. Even if you don't do any farming yourself, a farm and ranch policy helps protect you from liability exposure, especially if the renter is injured on your property.
Why send me to Travelers for farm and ranch insurance?We want the best for our members, even if that means referring them to another insurance company. We've aligned with Travelers because they have the experience and expertise needed to offer farm and ranch coverage.
Let us help you get coverage that fits your life. Call our team at Travelers to get a quote.
Call Travelers at 866-678-0494Members can save up to 25% on their cats' and dogs' accident and illness coverage. See note 1 Coverage may include diagnostic testing and imaging, cancer treatments and other expensive veterinary care.
Close Pop-upWhether you're a farmer, rancher or commercial grower and packer, you've worked hard to build your business. Travelers has the industry experience and expertise needed to help you get the right coverage for your dwellings and structures, such as barns and silos. They can also help protect your farm machinery and equipment like tractors. Travelers has dedicated agribusiness underwriters who understand the needs of farmers and ranchers — and USAA members.
Close Pop-up Close Pop-upDon't put yourself, your business and your income at risk. The standard agribusiness policy includes liability coverage for bodily injury and property damage to others. Personal, product and advertising liability are also available. Travelers has risk-control specialists who can help identify additional areas where you may need protection, such as stable liability if you own or board horses.
Close Pop-up Close Pop-upHobby farms normally include one or two moderately valued dwellings occupied by the insured and family. They may have other outbuildings as well as farm and ranch equipment. Hobby farms can include a number of activities, such as growing fruits, vegetables, grains or other crops. Owners may raise chickens, sheep, goats, alpacas, cattle or other livestock. A farm and ranch policy could also include liability and product coverage for operations. Any boarding or training of horses that generates income requires a separate equine coverage.
Close Pop-up Close Pop-upAn agribusiness policy can help protect private estate farms that include one or more high-value dwellings. They may have other outbuildings as well as farm and ranch equipment. Liability coverage includes injuries from animals and livestock. This policy also covers ATV, snowmobile and hunting exposures that are common on these types of estates.
Close Pop-up Close Pop-upThis category of growing typically includes important food sources, such as wheat, barley, sorghum, oats, corn, soybeans and rye.
Ranching operations include cow and calf operations, breeding, calving, eating and raising of various livestock. Transportation of livestock can also be added as an additional coverage.
Get insurance for barns, silos, corrals, pens, chutes and feed racks. Coverage includes portable buildings and structures, private power and light poles, solar panels, outdoor radio and TV equipment, as well as antennas and towers. Your policy covers new farm structures up to $250,000 for 60 days. It also covers loss of livestock due to theft or fire. You can purchase separate coverage for loss due to a collision.
Close Pop-up Close Pop-upHelp protect your equine operation, whether you own a personal horse or a full-scale commercial equine business. An equine property endorsement covers up to:
You can also get liability coverage for stable owners' operations and equine professional services.
Close Pop-up Close Pop-upHelp reduce your financial risks from damage to trees and vines. An orchard and vineyard grower's endorsement covers up to:
Get insurance for your newly purchased tractor, implements, and other mobile agricultural machinery and equipment. Coverage can include full replacement cost of your tractor, if under seven years of age, and theft of miscellaneous tools and equipment on or away from the insured premises.
If you already have a policy, your newly purchased equipment is covered up to $250,000 for up to 60 days. In addition to theft, this type of policy can also cover losses from flooding, fire, upset or overturn, collision, malicious mischief and building collapse. Deductibles start as low as $100.
Help protect your important machinery and equipment for less than you might expect. Get an online quote or to ask questions and get a quote by phone, call Travelers at 866-311-1446.
Close Pop-upNote 1 As a USAA member or customer, you automatically qualify for 15% off your premium. If you have multiple pets or are current or former active-duty military, you may get extra savings for a maximum discount of 25%. Not all discounts approved in all states and are subject to change, other restrictions may apply.
The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.
Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.
Pet health insurance is administered by Embrace Pet Insurance Agency, Limited Liability Company (CA License 0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Incorporated, including American Modern Home Insurance Company doing business in California as American Modern Insurance Company (License Number 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting, review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Wellness rewards are offered as a supplementary benefit to the pet health insurance policy and are not an insurance product. Wellness rewards are offered and administered by Embrace Pet Insurance Agency in the United States. The USAA Insurance Agency receives compensation on the sale or renewal of third-party products. © 2024 American Modern Insurance Group, Incorporated.
USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.
