Equine coverage
Equine Farm & Ranch Insurance
One policy for the whole place. Barn, arena, equipment, the house, and the liability that comes with horse property.
Horse property carries risks a town homeowners policy was never built for. Farm and ranch insurance covers the buildings, the gear, and the land together, then adds the liability that comes with horses and visitors.
It works whether you own the place outright or lease it, and the policy bends to fit a backyard barn or a working operation. We line up carriers that understand horse property so nothing important falls through.
What a farm policy covers
Equine Farm & Ranch Insurance at a glance.
Barn and outbuildings
The barn, run-in sheds, shop, and storage, rebuilt or repaired after fire, wind, or other covered loss.
Arena and round pen
Covered and outdoor arenas, footing, fencing, and round pens as scheduled structures.
The home
If your house sits on the property, it can ride on the same policy as the rest of the operation.
Equipment, tack and feed
Tractors, trailers, tack, and stored hay and feed, protected against theft and damage.
Farm liability
Covers injuries and damage that happen on your land, the everyday exposure of having horses and people around.
Who it fits
- Owners of horse property of any size
- Anyone leasing a barn or arena
- Hobby farms with a few head
- Working operations with staff and visitors
Good to know before you quote
Schedule your structures
List the barn, arena, and sheds with replacement values so a claim pays what it actually costs to rebuild.
Owned or leased
Leasing does not leave you off the hook. You still want cover for your contents and your liability on the property.
Bundle the liability
Folding farm liability into the same policy is usually cheaper and cleaner than a standalone line.
Start your quote
Tell us about your horse.
A few details is all it takes. We pull terms from up to five carriers and walk you through what fits. No cost, no obligation, no call-center runaround.
- 1 You share the basics below
- 2 We compare carriers for your horse and use
- 3 You pick the policy and we bind it
Rather talk it through? Call (800) 555-0143, option 3 for a specialist.
Straight answers
Farm & Ranch questions, answered.
Do I need farm insurance if I only have a couple of horses?
A small hobby farm still carries risks a standard homeowners policy may exclude, like outbuildings and horse liability. A farm policy fills those gaps and often costs less than people expect.
Can I insure a barn I lease rather than own?
Yes. You can cover your own contents and equipment and carry liability for your activity on the property, even when the land and buildings belong to someone else.
Does farm insurance cover my home too?
It can. When the house sits on the same property, many carriers write it on the farm policy so you manage one renewal instead of two.
Is equipment and tack covered?
Yes. Tractors, trailers, tack, and stored feed can be scheduled or covered as farm personal property against theft and covered damage.