Your Land, Your Legacy—Fully Protected
Your farm or ranch isn’t just a business—it’s your way of life. At Broken Spoke Insurance, we design policies that safeguard your home, your work, and your future from Texas’s toughest risks. Whether you run a family farm, a large cattle ranch, or a hobby operation, we tailor coverage to fit every field, barn, and head of livestock you own.
What Does Farm & Ranch Insurance Cover?
Dwelling/Residence
Protects your farmhouse or ranch home from fire, storms, theft, and more
Farm Structures
Barns, silos, machine sheds, shops, stables, and outbuildings
Farm Personal Property
Tractors, combines, irrigation pivots, tools, supplies, harvested crops in storage
Livestock
Coverage for cattle, horses, and more—protection for death or loss from covered perils (with customizable endorsements)
Liability
For injuries to visitors, accidents on your land (like escaped cattle), and even product liability if you sell farm products
Equipment Breakdown
Covers sudden breakdowns of insured farm machinery
Loss of Income
Pays if a covered disaster shuts down operations
Farm Auto/Truck
Add farm vehicles used primarily on your property (or let us coordinate a separate policy if needed)
Why Custom-Tailor Your Farm Policy?
No two Texas farms or ranches are alike. We build each policy around your exact operation—whether you grow cotton in Lubbock, run cattle in Amarillo, or operate a small acreage outside Abilene.
Cover only what you need—no paying for unused barns or unowned equipment
Schedule specific machinery or livestock for higher-value coverage
Get endorsements for specialty exposures (chemical drift, equine liability, farm tours, etc.)
Texas-Smart Protection, Multi-State Reach
Tornado, hail, and fire risks unique to our region
Livestock liability for escaped animals or accidents on country roads
Serving Texas, Oklahoma, and New Mexico producers—multi-state policies available
Farm Insurance vs. Standard Homeowners—Know the Difference
A regular homeowners policy won’t cover farm assets or farm liability exposures.
Farm & Ranch Insurance packages blend home and commercial coverage—protecting your house, land, business operations, and income in one.
What to Expect From This Service
We walk your property (virtually or in person) to understand every asset and risk. Then we build a quote that fits your acreage, equipment, livestock, and needs—nothing more, nothing less. Ongoing reviews make sure your policy keeps up as your operation grows.
Frequently Asked Questions
What does farm and ranch insurance cover?
Home, barns, equipment, livestock, liability, and income—all tailored for your operation.
How is farm insurance different from homeowners?
Homeowners covers your house; farm insurance covers the business side—crops, livestock, machinery, and unique ag risks.
Can I insure small farms or hobby operations?
Yes—policies for everything from backyard poultry to large production operations.
Do you cover Oklahoma and New Mexico farms?
Yes—multi-state coverage and compliance support for cross-border ag businesses.
How do I insure farm trucks or employees?
We’ll help coordinate farm auto, workers comp, and all required coverages for your situation.
Safeguard Your Livelihood—Let’s Protect Your Operation
Your work is vital. Let’s keep it running strong—today and for generations to come. Request a custom farm & ranch quote or schedule a risk review with a Broken Spoke specialist.