Protecting Your Agricultural Assets: Farm Building Insurance in Texas
The landscape of a Texas farm is often dotted with important structures like barns, sheds, silos, workshops, and more. These buildings play a key role in housing livestock, storing equipment and supplies, and supporting your day-to-day operations. Keeping these valuable assets safe from a wide range of risks is vital to the long-term health of your farm. That is where farm building insurance steps in. At Rollo Insurance, we know the distinctive needs of Texas farmers and are ready to guide you through the right coverage for your agricultural structures.
Why Farm Building Insurance Matters
Farm buildings represent a major investment and are critical to your daily work. Farm building insurance offers financial protection against many potential losses so you can repair or rebuild when life takes an unexpected turn:
- Fire and lightning pose serious threats to rural properties and can cause major damage or total loss to barns and other buildings.
- Windstorms and hail are common in Texas, often damaging roofs, walls, and other building parts.
- Tornadoes and hurricanes, depending on your location, can bring catastrophic destruction.
- Vandalism and malicious mischief may target even the most remote farm buildings.
- Collapse can occur due to snow load, structural issues, or other causes.
- Vehicles, including farm equipment, can accidentally crash into buildings causing damage.
- Falling objects like trees can cause serious harm to your structures.
- Water damage, from burst pipes or other covered events, can be costly. Note that flood insurance is usually separate.
Get a Quote
What Buildings Should You Insure?
Farm building insurance can cover many different types of structures on your property, including:
- Barns for livestock, hay storage, or equipment.
- Sheds for tools, supplies, and smaller machinery.
- Silos for grain or silage storage.
- Workshops used for repair and maintenance.
- Poultry houses for raising chickens or other birds.
- Greenhouses for growing crops under controlled conditions.
- Riding arenas for equestrian activities.
- Storage buildings for harvested crops and products.
- Farm offices used for managing your business.
Key Coverages to Look For
A strong farm building insurance policy in Texas will include:
- Building Coverage that pays to repair or rebuild your structures after damage. Make sure your limits cover replacement costs.
- Contents Coverage to protect farm-related tools, equipment, supplies, and sometimes livestock stored inside your buildings.
- Debris Removal that helps cover cleanup costs after a loss.
- Increased Cost of Construction for meeting current building codes during rebuilding.
- Business Interruption Coverage to offset income losses when a critical building, like a barn, is damaged.
- Rental Value Coverage if you rent part of your farm building and lose income due to a covered loss.
- Farm Liability Insurance to protect against injuries or property damage to others connected with your farm.
What Influences Farm Building Insurance Costs in Texas?
Insurance premiums depend on many factors, including:
- The number and size of your buildings. More or larger buildings typically cost more to insure.
- Construction materials, such as wood or metal, can impact your rates.
- The age and upkeep of your buildings. Older or poorly maintained structures often increase premiums.
- Coverage limits and deductibles you choose. Higher limits and lower deductibles usually raise costs.
- Your location, including fire department access and weather risks.
- How the buildings are used and the activities inside them.
- Safety features like fire protection systems that can lower premiums.
- Your claims history related to farm property.
At Rollo Insurance, we say "The Difference Is Real." to encapsulate our dedication to our clients' well-being. Our focus is on securing reasonable premiums, providing comprehensive education on insurance coverage, and protecting our clients valued assets for life.
Rates
Finding the best rates for the coverage you need.
Education
Demystifying coverage, rates, plans, and deductibles—so you understand what you're getting—without boring you or talking down.
Assets
Protecting the most valuable things you own.
Life
A partner who you can call on today, tomorrow, and the rest of your life.
Build a Strong Foundation with Rollo Insurance
Your farm buildings are the foundation of your agricultural operation in Texas. Protecting these structures with the right insurance coverage is a key part of managing risks and ensuring your farm’s future. At Rollo Insurance, we understand the particular challenges Texas farmers face and can help you tailor a policy that fits your buildings and activities. Contact us today to get started on securing a solid foundation for your farm.
Find A Local Office
Other Farm & Ranch Insurance Products
Serving the communities of...
Albuquerque, NM
Argyle, TX
Bangs, TX
Bastrop, TX
Beeville, TX
Bertram, TX
Bountiful, UT
Brenham, TX
Buda, TX
Buffalo, MO
Caldwell, TX
Carthage, TX
Coleman, TX
College Station, TX
Comfort, TX
Cypress, TX
Draper, UT
Dripping Springs, TX
Dumas, TX
Ennis, TX
Fairfield, TX
Forney & Farmersville, TX
Franklin, TX
Gatesville, TX
Gilmer, TX
Hallsville, TX
Huntsville, TX
Jarrell, TX
Kilgore, TX
Killeen, TX
Lampasas, TX
Las Cruces, NM
Longview, TX
Lovelady, TX
Lubbock, TX
Mansfield, TX
Midland, TX
Milner, GA
Monett, MO
Mont Belvieu, TX
Nacogdoches, TX
New Braunfels, TX
North Richland Hills, TX
Ogden, UT
Palestine, TX
Pflugerville, TX
