Your Operation Isn’t Standard.Your Coverage Shouldn’t Be Either.
Farms and ranches face risks a standard home or business policy probably won’t cover. Daffin Insurance builds customized farm and ranch policies for operations across Bay County, Gulf County and the Forgotten Coast, whether you own the land, lease it or rent it out.
Know-How for Your Farm & Ranch Operation
Crops, cattle, horses or dairy, owned land or leased. We build the policy around your operation.
Independent, Not Captive
We shop our multiple insurance providers to find the right coverages at price points that fit your budget.
Customized, Not Cookie-Cutter
We make sure your policy fits your operation’s need for individual coverages, from buildings to animals.
Owned or Leased Land
Whether you own and work the land, rent it to another party or lease what you work, we’ll find suitable coverage.
Real Agents, Two Offices
No call centers, no phone trees. Call Panama City or Port St. Joe and a local agent picks up.
What Is Farm & Ranch Insurance?
To a degree, farm and ranch insurance works like standard home insurance. But farm and ranch policies can also protect barns, outbuildings, machinery, grain, hay, arenas and other farm and ranch buildings.
If you raise cattle or other livestock, typical policies also provide accidental-death coverage for your animals due to fire, drowning, shooting, lightning strikes and attack by predators. A liability provision protects you if someone with permission to be on your property is injured or has property damaged in an accident.
If you live on the property, a typical farm and ranch policy also covers personal belongings like clothing, furniture and appliances. And coverage doesn’t have to stop there: policies can be tailored to include additional buildings, machinery, or even accidents caused by one of your animals.
What a Farm & Ranch Policy Covers
- Buildings: barns, outbuildings, arenas and other farm and ranch structures.
- Equipment: furnishings, machinery and tools.
- Farm property: grain and hay.
- Livestock: accidental death from fire, drowning, shooting, lightning and predators.
- Liability: injuries or property damage to people with permission to be on your property.
- Personal belongings: clothing, furniture and appliances if you live on the property.
A home policy wasn’t built for a barn.
A farm and ranch policy was.
Protection for the Whole Operation
A farm and ranch policy can be built in four layers. We help you decide what each one needs.
The Property
Buildings, barns, outbuildings and arenas, plus machinery, tools, grain and hay.
The Animals
Accidental-death coverage for cattle and livestock, with equine options for horse farms.
Your Liability
Protection if someone on your property is hurt, with umbrella coverage available to extend it.
Add-On Protection
Flood, cargo, crop damage, milk contamination, fire liability, equine liability and employer liability.
What Our Neighbors Are Saying
“Daffin Insurance has been nothing short of amazing. They found us better home coverage at a lower rate than we had been paying for years. Local, honest, and genuinely helpful.”
“When our business needed commercial coverage quickly, Daffin came through same day. Real people, real answers. I would not trust anyone else with our Gulf County business insurance.”
“After Hurricane Michael I needed flood and wind coverage fast. Daffin walked me through every option with patience and zero pressure. They truly care about this community.”
How Farmers & Ranchers Save
Multiple Providers Shopped
We compare our insurance providers to find coverage at a price point that fits your budget.
Only What Fits
Customized coverage means you’re covering your operation, not paying for a one-size-fits-all policy.
Extend With an Umbrella
Add umbrella coverage to extend liability protection if a claim ends up in court.
A Second Look at Renewal
Send us your current policy and we’ll compare coverage and price.
Farm & Ranch Insurance, Asked and Answered
Won’t my homeowners policy cover my farm?
A standard home or business policy probably won’t properly cover a farm or ranch. Farm and ranch policies protect barns, outbuildings, machinery, grain, hay, arenas and livestock that a home policy doesn’t.
What types of operations do you cover?
Dairy farms, row crop farms, commercial farm and ranch operations, equine farms, cattle ranches and livestock farms.
Is my livestock covered?
Typical policies provide accidental-death coverage for cattle and other livestock due to fire, drowning, shooting, lightning strikes and attack by predators.
What if I lease the land I work?
No problem. Whether you own the land, lease it or rent it to another party, we’ll help you find suitable coverage.
What can I add to my policy?
Additional buildings and machinery, accidents caused by your animals, flood, cargo, crop damage, milk contamination, fire liability, equine liability and employer liability.
Protect the Land, the Herd and the Harvest.
Tell us about your operation. We’ll come back with customized options from multiple providers, usually within one business day, from a local agent who answers the phone.
Mon–Thu 8:30a–5p CT · Fri 8:30a–4p CT
Mon–Thu 10a–5p ET · Fri Closed
Coverage descriptions are general and subject to policy terms, underwriting, and availability.