What is
Farm & Ranch Insurance
Farming and ranching aren’t just jobs — they’re a way of life. That’s why your insurance should be as hardworking as you are. Our Farm & Ranch Insurance combines the protection of home insurance and business insurance, designed specifically for agricultural operations. Build a policy that fits your land, equipment, and lifestyle.
Coverage Options Tailored for Farmers and Ranchers
Dwelling Coverage
Protects your home against fire, lightning, windstorms, hail, vandalism, theft, and more.
Example: A storm damages your farmhouse roof — your dwelling coverage pays for repairs.
Farm Personal Property Coverage
Covers machinery, equipment, livestock, and a wide range of farm tools.
Example: Your tractor breaks down from a covered cause — coverage helps pay for repair or replacement.
Additional Living Costs & Loss of Rent
If your rental property becomes uninhabitable due to a covered loss, we help cover rental income or temporary living costs.
Example: Fire forces your tenants out — we cover the lost rental value.
Farm Outbuilding Coverage
Covers barns, machine sheds, grain silos, detached garages, and other farm structures.
Example: Hail damages your grain silo — coverage pays for repairs.
Farm Liability Coverage
Protects you from legal and medical costs if someone is injured or property is damaged on your farm.
Example: A visitor trips over equipment and gets injured — coverage pays for medical expenses and legal defense.
Additional Protection for Your Farm
Can I insure multiple dwellings on my farm?
Yes — additional living quarters for employees or family can be added to your policy.
Is livestock covered?
Yes — under Farm Personal Property, plus optional Livestock & Animal Insurance for extra protection.
Are grain elevators or silos covered?
Yes — they’re included as farm outbuildings.
How about my machinery and equipment?
Covered for repair or replacement due to a covered loss, with income protection if damage stops operations.
Do You Have Enough Coverage?
Arizona requires every driver to carry a minimum level of auto insurance, but in many cases those limits aren’t enough to fully protect you. Medical bills, lawsuits, or repair costs can quickly exceed the state minimums, leaving you personally responsible for the difference.
At Danilovic Agency, we go beyond the basics — helping you meet state requirements while also customizing a policy that truly fits your needs and budget.