Farm & Ranch Insurance in the Texas Hill Country
Standard homeowners policies aren't built for acreage, livestock, or outbuildings — farm and ranch coverage fills the gap for working and hobby properties alike. We cover acreage properties throughout Williamson, Travis, and Burnet counties, from Liberty Hill and Burnet to Marble Falls and beyond.
Farm & ranch coverage at a glance
- Dwelling, barns & outbuildings
- Land, fencing & equipment
- Livestock & mortality coverage
- Farm liability, including visitors & ag sales
No spam, no obligation — a licensed Texas agent follows up directly.
Coverage for working and hobby properties alike
Whether it's a full working ranch or a few acres with horses, the exposures are different from a standard homeowners policy.
Dwelling & Outbuildings
Your home plus barns, equipment sheds, and other farm structures.
Land & Fencing
Coverage for fencing, gates, and land improvements against covered perils.
Livestock Coverage
Mortality and other protection for cattle, horses, and other livestock.
Equipment & Machinery
Tractors, trailers, and farm equipment covered for damage or theft.
Farm Liability
Liability coverage that extends to ag-related activity — visitors, boarded animals, and incidental sales like hay or eggs.
Care, Custody & Control
Coverage options for animals you board or care for that belong to someone else.
Coverage that understands the difference between a homestead and a working ranch
Independent, not captive
We compare your risk across multiple carriers instead of quoting just one company, so you see real options side by side.
A real person, not a call center
Your agent answers the phone, explains coverage in plain English, and stays your point of contact through renewals and claims.
Built around Hill Country living
From acreage properties to lake toys, we write coverage that reflects how people actually live around Liberty Hill and Central Texas.
Built for Hill Country acreage
Burnet, Williamson, and the surrounding counties have a mix of working cattle operations, hobby ranches, and newer acreage properties that homeowners policies simply weren't written for. We ask the right questions up front — ag exemption status, livestock type, whether you sell anything off the property — so the policy actually responds when you need it.
Farm & ranch insurance questions
What's the difference between homeowners and farm & ranch insurance?
Homeowners policies generally exclude farming activity, livestock, and larger outbuildings. Farm & ranch policies are built to cover those exposures specifically, including liability tied to agricultural use.
Does it cover livestock mortality?
Yes, livestock coverage can be added for cattle, horses, and other animals, typically against specified causes of loss. We'll walk through what fits your operation.
Do I need this if I just have a few acres and some horses?
Often yes. Even a small hobby property with horses or a couple of outbuildings can fall outside standard homeowners coverage. It's worth a quick review rather than assuming you're covered.
What counts as "agricultural use" for insurance purposes?
It varies by carrier, but generally includes raising livestock, growing crops for sale, or holding an ag exemption. We'll help you describe your property's actual use accurately on the application.
Ready to cover your property the right way?
Tell us about your land, structures, and livestock and we'll shop it across our carriers.