Farm/Ranch liability insurance…….

B-1 83

Joined: Jan 3, 2001

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What you got? Dad had $300k per instance and $5k medical through his USAA homeowners. I'm thinking that might not be enough.

CanyonAg77

Joined: Sep 22, 2000

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12:05p, 11/11/21

I have had a million umbrella dollar policy. Was pretty cheap, but it required high limits on the underlying policies, house and car

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44mAG

Joined: Apr 1, 2014

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12:18p, 11/11/21

I have a million dollars policy on my 20 acres through Texas Farm Bureau. Cost like $95 a year.

AnScAggie

Joined: Oct 23, 2015

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12:41p, 11/11/21

I have a lot more than the above, it is expensive and topped off with an umbrella policy. Livestock, hunting, UTV's, tower blinds, tractors, etc can really cause some damage that $300k is but a drop in the bucket.

ETA: My tractor accident earlier this year has run up bills over $50,000.

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tamc93

Joined: Jul 25, 2013

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In reply to 44mAG • 12:43p, 11/11/21

44mAG said:
I have a million dollars policy on my 20 acres through Texas Farm Bureau. Cost like $95 a year.

I have something similar and then a secondary policy for tractors, utv's, etc for loss (stealing).

I was surprised how cheap the liability portion was.

SWCBonfire

Joined: Aug 16, 2005

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12:55p, 11/11/21

+1 on at least $1MM general farm liability

texasaggie2015

Joined: Jan 25, 2010

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1:06p, 11/11/21

I would recommend looking into Texas Farm Bureau.

My agent is Clayton Hollis. Good dude.

rancher1953

Joined: Aug 22, 2012

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1:30p, 11/11/21

I have the same on my ranch, one million umbrella policy with my other coverage through Farm Bureau. Not cheap but will be worth it if that aw S moment happens.

Ribeye-Rare

Joined: Dec 7, 2015

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1:51p, 11/11/21

While you're at it, I might suggest you post a couple of the new Texas Farm Animal Liability signs.

TFB Farm Animal Liability signs

[url=https://texasfarmbureau.org/farm-animal-liability-signs-available-from-texas-farm-bureau/][/url]

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rlb28

Joined: Feb 2, 2007

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7:58p, 11/11/21

State Auto has a good farm and ranch program. I wrote one for a guy outside of Bay City on 133 acres for $210 last week. Liability only, no structures, etc..