Do you need a Farm and Ranch Policy?

What Is Farm and Ranch Owners Insurance?


Whether you are a Bucks or Montgomery Pennsylvania farmer who grows corn or soybeans, or a family with a small acreage hobby farm, the land is your livelihood. Farming and ranching is more than what you do, it is who you are. At Dtown Insurance, we can find you the right coverage that protects everything you work hard for each day.

 

Farm and ranch owners insurance is dual coverage that protects your farm operations and the home that you live in. With it, you will have a custom blend of homeowners coverage and business insurance with additional options to best fit the specific needs of your farm or ranch.


Family Farm and Ranch Insurance Coverage

In addition, to keep a successful business running, you need the right protection for your property, farm tractors, barns, and sheds on your property. That is why a Farm and Ranch policy will help safeguard your farm or ranch with customizable coverages that lets you build a single, reliable policy.

 

Parts of a Farm and Ranch Insurance Policy

Dwelling coverage

Offers protection for your farm home and all your stuff in your home against fire, lightning, windstorms, hail and most accidental losses, including vandalism and theft.


Farm personal property coverage

This provides protection for personal items in your farmhouse: clothes, furniture, and tvs.


Additional living expenses coverage

Pays for increases in living expenses if you have to move out of your home due to a covered loss. This coverage will pay for food and rent while your home is being repaired.


Additional Private Structures

Most Bucks and Montgomery County hobby farms have detached garages or other private structures that are designed solely for your personal use.


  • Includes private garages, utility buildings, boat slips and docks in same location as your house.
  • Other structures covered include gazebos, tennis courts, children's playhouses, structures for hot tubs, in-ground outdoor swimming pools and above-ground swimming pools and pool houses and outdoor kitchens.

 

In addition, if you are renting out a space to tenants to board a horse on your farm, and that space incurs a covered loss that causes the space to become unusable, you will have coverage that can help pay the rental value of that horse stall.


This added coverage can make a big difference to your bottom line.

 

Farm building coverage

This coverage helps protect your pole barns, machine sheds, detached garages or other outbuildings.

Farm liability coverage

Delivers protection for the unexpected — including accidents, bodily injury, medical expenses or farm property damage.


Optional Farm and Ranch Insurance Coverages

Optional coverages help you customize your policy to your specific farm and ranch needs. Consider it added protection for extra peace of mind.

 

Farm equipment breakdown coverages

This covers a direct physical loss to your tractors, and other equipment due to an accident.


Additional farm and ranch property coverages

Optional coverage that offers extra protection, including increased limits on borrowed tractors and machinery, additional livestock hazards and more.


Supplementary coverages

Extra protection built into your policy for fire department service charges, private power and light poles, debris removal, clean up and more.

 

If you have a small farm, or a hobby farm, in Bucks County Pa contact us at Dtown Insurance. We're here to help  you get the coverage you need for your farm or ranch.



The Motorcyclist’s Guide to Insurance

June 4, 2026
Pennsylvania's Distracted Driving Law Effective June 5, 2026, the penalty is a summary offense with a $50 fine, plus court costs and other fees. Pennsylvania’s hands-free law may be referred to as Paul Miller’s Law. Paul Miller was killed in 2010 when a distracted driver crossed a center grass divider and traveled head-on into Paul’s car. If a driver is convicted of homicide by vehicle and driving while distracted, they may be sentenced up to an additional five years in prison. As a primary offense, drivers can be stopped by police if they have a mobile device in their hand while driving.  The law: Defines an interactive mobile device as a handheld wireless telephone, personal digital assistant, smart phone, portable or mobile computer, or similar device which can be used for voice communication, texting, emailing, browsing the Internet, instant messaging, playing games, taking or transmitting images, recording or broadcasting videos, creating or sharing social media or otherwise sending or receiving electronic data. Defines driving as operating a motor vehicle on a highway, including anytime the motor vehicle is temporarily stationary because of traffic, a traffic control device (e.g., a traffic light or stop sign), or other momentary delay. Defines the use of an interactive mobile device as using at least one hand to hold, or supporting with another part of the body, an interactive mobile device, dialing or answering an interactive mobile device by pressing more than a single button, or reaching for an interactive mobile device that requires a driver to maneuver so that the driver is no longer in a seated driving position, restrained by a seat belt. A driver may use an interactive mobile device if the driver moves the vehicle to the side of or off a highway and halts in a location where the vehicle can safely remain stationary. The hands-free law allows for an emergency use exception if it is necessary to communicate with a law enforcement official or other emergency service to prevent injury to persons or property. Pennsylvania's Texting-While-Driving Ban The law prohibits as a primary offense any driver from using an interactive mobile device to send, read or write a text-based communication while his or her vehicle is in motion. Defines an interactive mobile device as a handheld wireless telephone, personal digital assistant, smart phone, portable or mobile computer or similar device which can be used for voice communication, texting, emailing, browsing the Internet, instant messaging, playing games, taking or transmitting images, recording or broadcasting videos, creating or sharing social media or otherwise sending or receiving electronic data. Defines a text-based communication as a text message, instant message, email or other written communication composed or received on an interactive mobile device. Makes clear that this law supersedes and preempts any local ordinances restricting the use of interactive wireless devices by drivers. " Faces of Distracted Driving " is an online photo series exploring the tragic consequences of texting and cell phone use behind the wheel by sharing the stories of people from across the country who have been injured or lost loved ones in distracted driving crashes. Click here to view "Faces of Distracted Driving." Dtown Insurance agents have many years of experience in auto insurance. Our agents prioritize getting you the right coverage for the best price available. One of the best auto insurance carriers we work is AAA, one of the country’s largest and most reputable insurance carrier in the United States. Call today
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