Farm and ranch properties don’t fit neatly into standard homeowners or business insurance policies. They need coverage built specifically for working land. At TWFG Pitchford Insurance, we help farm and ranch owners throughout the Central Texas Hill Country protect their property, equipment, livestock, and liability with a policy designed around how the land is actually used.

Whether you’re running a working cattle operation, a hobby farm, or an equestrian property, we’ll help you build coverage that reflects your specific setup, not a generic homeowners policy stretched to fit land it wasn’t designed for.

Farm and ranch insurance covers far more than the main residence. Barns, outbuildings, fencing, wells, and irrigation systems all represent significant investments, and each needs to be accounted for in your policy. Equipment coverage matters too, whether you’re protecting tractors, trailers, hay balers, or other machinery that keeps your operation running. Without the right coverage in place, a single piece of damaged equipment or a downed structure can become an unexpected financial burden.

Livestock coverage is another critical piece for many Hill Country properties. Cattle, horses, and other animals represent both income and investment, and standard policies often exclude them entirely. We help you understand what protection is available for your herd or livestock, whether that means coverage for disease, theft, or accidental loss.

Liability is one of the most overlooked risks on farm and ranch properties. Whether you have hired help, host equestrian activities, welcome visitors, or simply have livestock that could wander onto a neighboring property or roadway, liability exposure on working land looks very different than it does on a typical residential property. We’ll help you evaluate where your liability risk actually lies and build coverage that reflects those realities.

Central Texas Hill Country properties also face unique regional risks, including drought, wildfire, and severe weather that can affect both structures and livestock. We take these factors into account when helping you build a policy, so you’re not caught off guard by a gap in coverage after the fact.

As an independent agency, we compare options across multiple carriers that specialize in agricultural and rural property coverage, rather than trying to fit your operation into a standard homeowners or commercial policy. This means you get coverage built around your actual property, equipment, and liability exposure, not a patchwork of policies that don’t quite align with how your land is used.

If you own farm or ranch property in the Central Texas Hill Country, TWFG Pitchford Insurance can help you find coverage that protects your land, your livelihood, and your peace of mind. Reach out today to talk through your specific setup and get a policy built around your operation.