Farm Insurance in Katy, TX
Farming has many challenges, including managing mishaps that can disrupt operations. An appropriate farm insurance policy may help farmers reduce out-of-pocket costs and keep operations running after a loss.
What Is Farm Insurance? 
Farm insurance may cover the financial impact of unexpected losses. The term doesn’t refer to a single policy but to various insurance policies you may purchase for your farm business.
How Does Farm Insurance Work?
When purchasing farm insurance, farmers agree to pay premiums to their insurance provider in exchange for financial support when covered incidents occur. This could include accidents involving workers, crop damage or equipment breakdowns.
What Does My Policy Cover?
Farm insurance policies often consist of multiple coverage, such as:
- Commercial property insurance
- Farm dwelling insurance
- General liability insurance
- Farm equipment insurance
- Business interruption insurance
- Workers’ compensation insurance
- Crop insurance
- Livestock insurance
- Product liability insurance
Farmers can choose coverage types and limits that fit their operations. Some insurers also offer endorsements or add-ons for irrigation systems, farm vehicles or agritourism activities.
Does My Texas Farm Need Insurance?
Texas has no statewide law requiring farm insurance, but many lenders and financial institutions require it if you have a mortgage or loan on your property. Coverage such as workers’ compensation may also be necessary if you employ farm workers.
Learn More
Katy Insurance Agency helps farmers review their needs and find suitable coverage. Contact us today to learn more or request a personalized farm insurance quote.