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Personal Insurance

Farm and ranch coverage for the working land along the Gallatin River.

A working property is part home, part business, part something else entirely. Farm and ranch insurance is built to cover all of it under one coordinated policy.

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The Basics

Why farm and ranch properties need specialized coverage.

A standard homeowners policy isn’t built for the exposures of a working farm or ranch: barns, equipment, livestock, and farm-related liability all fall outside typical residential coverage.

Farm and ranch policies combine home, farm structures, equipment, and liability coverage into a single program built around how the property is actually used.

  • Covers farm buildings, equipment, and machinery
  • Includes liability coverage for farm-related operations
  • Can extend to livestock and agricultural products
  • Combines home and farm exposures into one coordinated policy

What We Help Insure

  • • Barns and outbuildings
  • • Farm equipment and machinery
  • • Livestock
  • • Farm-related liability
What’s Included

Core protections under a farm & ranch policy

Farm Dwelling

Coverage for the primary residence on the property, similar to a homeowners policy.

Barns & Outbuildings

Protection for barns, sheds, and other structures used in farm operations.

Farm Equipment

Coverage for tractors, implements, and other machinery.

Livestock Coverage

Protection against death or loss of covered livestock from specified perils.

Farm Liability

Liability protection tailored to risks specific to agricultural operations.

Care, Custody & Control

Coverage for property of others in your care, such as boarded animals or leased equipment.

Common Questions

Farm & Ranch FAQs

Do I need farm insurance if I just have a few horses?
It depends on how the property is used. Even smaller hobby farms can benefit from farm-specific liability and structure coverage that a standard homeowners policy doesn’t provide.
Is farm equipment covered under a standard policy?
No, farm equipment typically needs to be scheduled or covered under a farm policy rather than a standard homeowners or auto policy.
Can farm and ranch coverage include my home?
Yes, farm and ranch policies commonly combine the primary residence with farm structures, equipment, and liability into one policy.

Let’s talk about your farm & ranch coverage.

Belgrade-based advisors who know Montana risk, ready to help.

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