Some properties are more than just homes – they are working lands, livelihoods, and legacies. Farm and ranch insurance protects these unique operations by combining elements of personal and commercial coverage into one comprehensive plan. In Texas, where weather, terrain, and operations vary widely, a tailored approach is essential.
Farm and ranch owners face exposures that extend far beyond standard homeowners or business policies. Livestock, crops, equipment, and additional dwellings all bring different forms of risk. Severe storms, drought, and wildfire can impact not only property but also income and productivity. Liability exposures also increase when employees, contractors, or visitors enter the property – especially for operations offering boarding, agritourism, or guided activities.
At Sanger & Altgelt, we recognize that no two properties are alike. We help design policies that reflect the specific needs of each operation, often including:
- Property Coverage – Protection for homes, barns, outbuildings, and machinery.
- Livestock Liability and Mortality Protection – Safeguards against injuries to others from one of your animals, or loosing a valuable animal to a catastrophic event.
- Liability Coverage – Defense and protection for injuries or damages that occur on the property.
- Utility Terrain Vehicle Protection – Protection for liability and property damage for valuable vehicles used on your property for recreation and work.
Because farm and ranch insurance often combines multiple forms of protection, it requires careful coordination to close gaps and avoid overlapping coverage. The right policy should safeguard both the home and the business aspects of rural life. Beyond protecting property and operations, the right coverage also helps preserve the land and legacy that families have built for generations. Thoughtful insurance planning can ensure that future heirs inherit both the land itself, and the security needed to sustain it.
With more than a century of serving Texas families and businesses, Sanger & Altgelt provides insurance solutions designed to protect what matters most – from family ranches to full-scale agricultural operations.
Contact us today to review your current coverage or learn more about building a plan that grows with your land.
