Farm & Ranch Insurance in Texas — One Policy, Total Peace of Mind
Comprehensive Protection for Your Land, Home, and Livelihood
Running a farm or ranch in Texas means balancing the needs of your business and your family. Willingham Insurance Agency specializes in farm and ranch insurance packages that combine home and business coverage into a single, seamless policy. From barn fires to equipment breakdowns or livestock accidents, our tailored plans help you recover quickly and keep your operation — and legacy — going strong.
Farm & Ranch Insurance — What Does It Protect?
Dwelling & Personal Property
Covers your farmhouse and everything in it, just like a homeowners policy.
Farm Structures
Protects barns, sheds, stables, silos, and other buildings essential to your operation.
Farm Personal Property
Coverage for tractors, combines, equipment, tools, and supplies.
Livestock Coverage
Insures your cattle or other animals against loss from covered perils.
Crop & Feed Storage
Options for stored feed, hay, or certain crop-related losses.
Farm Liability
Protection if someone is hurt on your property, during farm activities, or if your livestock causes damage (like cattle in the road).
Additional Protection
Fencing, irrigation systems, and sometimes farm trucks (ask about commercial auto).
Protection Designed for Texas Agriculture
From tornadoes and hailstorms to drought and livestock escapes, Texas farms and ranches face unique risks. Our policies are built for real-life hazards in West-Central Texas — whether you run a small hobby farm, a large cattle ranch, or a family row-crop operation. We cover everything from cattle to cotton and understand the challenges of keeping your operation running after disaster strikes.
Coverage for Hobby Farms and Large Operations Alike
Every farm and ranch is different. Willingham Insurance tailors coverage for:
Hobby farms and gentleman ranches
Large-scale production operations
Agribusinesses with employees or seasonal labor
Farms with direct-to-consumer sales, agritourism, or custom services
We’ll build the right policy, so you don’t pay for what you don’t need — and never leave critical gaps.
Your Farm & Ranch Insurance Questions, Answered
What does farm and ranch insurance cover?
Your home, outbuildings, equipment, livestock, liability, and more — all under one coordinated plan.
Do I need farm insurance for a small hobby farm?
Yes — even small farms face risks, and standard home insurance may not cover agricultural activities or structures.
What’s the difference between farm insurance and standard home insurance?
Farm insurance protects both your residence and your ag operations — standard home insurance does not cover business or farm exposures.
Can you insure cattle ranches in Texas?
Absolutely. We have deep experience covering cattle operations, crops, and all types of Texas agriculture.
Texas-Grown Expertise — Insurance for Rural Life
Willingham Insurance Agency has served Ballinger and the heart of Texas ag country for over a century. We know what keeps local farmers and ranchers up at night — and have the solutions to protect your land, animals, family, and future.
From Barn to Pasture — Get a Farm & Ranch Insurance Quote
Let us help safeguard your livelihood and lifestyle. Request a personalized review or quote today, and put Willingham’s local ag experience to work for you.