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Coverage for Family Farms and Ranches

Being a farmer or rancher requires hard work and dedication. Your operation has a unique set of needs and risks to protect. Main Street America Insurance offers a full suite of farm insurance and ranch insurance to protect the needs of modern growers like you. From liability, property, workers' compensation, auto and umbrella, we'll help protect your property and the family home that you live in.

We have been insuring agricultural risks since the 1930’s. In that time, we have developed comprehensive coverages to better protect you and the things that matter most. As an “A” (Excellent) A.M. Best rated insurance company, you can feel confident that we'll be here if you ever need to file a covered claim.

Your local, independent insurance agent can help you select the industry-leading farm and ranch insurance protection you need for your unique situation.

Farm and Ranch Risks We Cover

Main Street America is here to protect a wide range of farm and ranch clients both large and small. We deliver flexible options to cover most farming operations and ranch exposures.

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Row Crop Operations

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Cattle Operations

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Equine Operations

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Hay Operations

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Produce Operations

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And More!

What Farm and Ranch Coverages are Available?

You deserve farm and ranch insurance products designed with your unique needs in mind. We know you work hard on your farm or ranch operations. That's why we offer customizable farm insurance to protect your buildings, machinery, and liability.

Dwelling Coverage

Protects your home and belongings from various risks like fire, lightning, windstorms, hail, smoke, vehicles, explosion, vandalism, and theft.

Personal Property Coverage

This coverage protects your farm personal property like livestock, feed, machinery, and tools from various risks that could cause damage.

Incidental Property Coverages

Incidental property coverages built into your farm and ranch policy, include emergency removal, debris removal, fire department service charge, and many others.

Personal Liability Coverage (Farm)

Provides liability coverage for accidental bodily injury, medical expenses, or property damage for which you are legally responsible. Options include farm and personal liability, bodily injury liability for farm accidents, medical payments to others, and more.

Commercial Liability Coverage

Coverage for your farm premises and operations. Options include farm liability, bodily injury liability for farm accidents, and medical payments regardless of fault.

Farm Outbuilding Coverage

Provides protection against damage to the buildings and farm structures on your property, including sheds, barns, and stables. This is separate from dwelling coverage, which includes coverage for your home.

Optional Property and Liability Coverages

Additional coverage options include farm equipment breakdown, care, custody and control liability coverage, pollution liability coverage, weight of ice, snow or sleet, and irrigation/farm machinery coverage.

Additional Lines of Business Available

We also offer personal and commercial auto, farm umbrella, and farm worker’s compensation policies to meet the needs of your farm or ranch.

These summaries represent only a brief description of select farm and ranch insurance coverages. Coverage features and limits vary by state. Some products are not available in every state.

States We Serve

Farm and Ranch coverage is currently available in Delaware, Idaho, Maine, Maryland, Massachusetts, Mississippi, Montana, New Hampshire, North Carolina, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, and Virginia, with additional states to follow. If you have questions about our Farm and Ranch product, please contact Sherry Paczosa at

a map of states we serve