By The Copeland Group
When you live and work on the land, your home isn’t just where you hang your hat—it’s where your livelihood begins. Many people assume that their standard homeowner’s insurance policy is enough to protect their property, but if you’re running a farm or ranch, that assumption could cost you dearly.
Here’s the truth:
Home insurance is designed to protect your residence and personal belongings—not your barns, tractors, livestock, or the income your land produces. That’s where farm and ranch insurance comes in.
Farm and ranch policies combine elements of homeowners insurance with coverage for your agricultural operations. This can include:
- Barns, sheds, and other outbuildings
- Tractors, equipment, and tools
- Livestock and fencing
- Liability coverage for farm visitors or workers
- Lost income due to covered events
Real Story, Real Protection
One of our clients, the Carson family, thought their home insurance would be enough to cover their entire operation. When a windstorm tore through their place outside of Stephenville, it took down part of their equipment shed and damaged fencing that held their cattle.
Thankfully, they had already worked with us to put a farm and ranch policy in place—just months before. That coverage helped them repair the damage, recover lost income, and get back on their feet without missing a beat.
“We thought we were covered,” Mr. Carson told us, “but The Copeland Group showed us what we really needed. We’re thankful we called when we did.”
Make Sure You’re Covered
Whether you’ve got a hobby farm or a working ranch, it’s worth taking a second look at your coverage. We’ll sit down with you, walk your land, and build a plan that works for your operation.
📞 Call us today for a free quote.