Farm & Ranch Insurance in Texas—Protecting Your Home, Land, & Livelihood

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Hobby Farm or Working Operation? Personal or Business Use?

Legacy tailors coverage for any operation—small-acreage hobby farms to large, working ranches. We’ll help you choose the right policy based on acreage, buildings, equipment, livestock, and use.

What Does Farm & Ranch Insurance Cover?

Farm and ranch insurance blends home, property, and business protection in one flexible plan. Cover:

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Dwelling

Your house and personal belongings

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Barns & Outbuildings

Sheds, shops, barns, and storage

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Equipment

Tractors, implements, tools—scheduled and unscheduled

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Livestock

Cattle, horses, poultry, and more

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Fencing

Replacement or repair for perimeter and cross-fencing

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Farm Personal Property

Feed, seed, supplies, and more

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Liability

Covers injuries or damage claims on your property

What's Not Covered?

Some things aren’t automatically included in a standard farm and ranch policy—like crop losses (which usually require separate crop or crop-hail insurance), certain commercial or agritourism activities (though these can often be added by endorsement), and specialty equipment that isn’t specifically listed on your policy. Our team will walk you through any gaps and help you add the coverage you need.

Simple Checklist Intake—What We’ll Ask

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Acreage and property locations (Gonzales, LaVernia, Seguin, Central Texas, or statewide)

Types of outbuildings/barns

List of major equipment and tractors

Livestock type and headcount

Fencing and infrastructure

Employees, guests, or agritourism exposure

Local Agents, Real Support—Here When You Need Us Most

Legacy’s team lives and works in Central Texas. We’ve helped local farmers and ranchers bounce back after storms, navigate complex claims, and protect generations of family land. If you ever need to file a claim, we’ll walk you through every step—from documentation to rebuilding—so you’re never left facing the unexpected alone.