Do you know about the Texas Farm and Ranch Lands Conservation Program? This project was founded in 2005 and works with the Texas Parks and Wildlife System to protect your working lands from fragmentation and development. Fragmentation can significantly decrease a farm’s productivity. Information and assistance with these and other farming and ranching issues can be found at Rasor Insurance, where we’ve served the Celina, TX area for over twenty years.  

In addition to fragmenting the amount of your cropland, fragmentation can result in biodiversity loss. It can also result in a decrease in invasive plants, pests, and pathogens, as well as a deterioration of the area’s water quality. The project provides easements for the land to preserve the productivity of the land. Recent grants from the TFRLCP program have ranged in value from $27,000 to over $1,000,000. 

The Texas Farm and Ranch Lands Conservation Program supports and provides education about how the project protects Texas land, fish, and wildlife in the following ways: 

• It promotes awareness of the conditions that qualify farmers for the easements available.
• Facilitating the financing of qualifying land and water conservation projects.
• Educating the public about the ecological significance of working lands and the need to preserve them.

Applications for the funds from TFRLCP are available by contacting the Texas Parks and Wildlife Department. Guidelines for project consideration can be found at https://tpwd.texas.gov/landwater/land/private/farm-and-ranch-/how-to-apply.phtml.

Farmers and ranchers need insurance to protect their buildings, crops, and lands. Our team at Rasor Insurance in Celina, TX is a natural choice to help with insurance coverage for your farm or ranch. Cleve Rasor, our agency’s owner and operator, has had a background as a rancher. Our team has over two decades of experience in the farm and ranch industry.

 

Farm and ranch insurance is a specialized type of property insurance that has become increasingly popular in recent years. The Rasor Insurance Agency, located in Celina, TX, is one of the state’s farm and ranch insurance providers. Before buying farm or ranch insurance, there are a few key things to know.

Covers Farm Equipment and Livestock

This includes tractors, plows, harvesters, and other machinery you use on your farm or ranch. It also covers any animals on your property, such as cattle, horses, pigs, and chickens.

Protects Against Liability

You could be held liable if someone is injured on your property or if you damage someone else’s property. Farm and ranch insurance can help to protect you financially in these situations. It can also cover any legal fees that you may incur.

Great for Full-time or Part-time Farmers

Whether you are a full-time farmer or someone with just a few acres of land, farm and ranch insurance can be a good option. It can help to protect your investment and give you peace of mind. Being a farmer comes with the inherent risk of property damage and liability, natural disasters, and more.

Many Different Coverage Options Available

There are a variety of different coverage options available when it comes to farm and ranch insurance. You can choose the coverage that best fits your needs. Some possibilities include property damage, liability, business interruption, crop insurance, and more.

Protect Your Farm Buildings

Your farm buildings, such as your barn, shed, or garage, is also covered under farm and ranch insurance. This can help to protect your investment in your property.

When you’re ready to purchase farm or ranch insurance, contact the Rasor Insurance Agency in Celina, TX. We can help you to find the right policy for your needs. Give us a call today.

If you operate a small family farm or care for one as a hobby around Celina, TX, you have insurance needs that a typical homeowners policy will not cover. Rasor Insurance is here to help farms and ranches of any size. Let’s take a look at what farming activities need specialized insurance.

Equipment

Machinery and equipment used on farms and ranches is an expensive but often necessary investment. This includes tractors and other field equipment necessary for crop management. 

Animals

If you manage livestock on your farm, an insurance policy will offer coverage in the event they are injured or killed due to a basic peril. Some agencies offer extensions to cover more unique perils, such as being killed by a train or attacks by wild animals. 

Many companies offer separate coverage for horses and other equine animals. This coverage can be used for horses that work on the farm, are used for breeding or shows, or are simply kept for pleasure. Examples of equine insurance coverage include death due to sickness or disease and major medical expenses. 

Buildings

Outbuildings such as barns or sheds for equipment may not be covered by your homeowner’s insurance policy. Depending on how far away the building is from your home and what it is used for, you may need a farm policy instead. 

Crops

Most agencies require a separate policy to insure crops that are on the field. However, crops that are in storage can be covered by a basic farm insurance policy. This includes stored grain and seeds.

Farm and ranch insurance is a highly customizable option to protect your hobby farm, even if you do not plan to make money off of it. Reach out to Rasor Insurance, serving Celina, TX, today to learn more!

Rasor Insurance proudly serves the Celina, TX community by offering residents different types of insurance coverage. We want to help our clients protect the assets that they have worked so hard to acquire. It’s crucial for us to help you find the protection that you deserve.

Farm & Ranch Insurance

The farm and ranch industry continues to help stimulate the economy in Texas. For ranchers to maximize their abilities, they must research the benefits of farm and ranch insurance. The policy allows ranchers to protect their livestock and their farm.

Misconceptions About Farm & Ranch Insurance

While researching different policies, try to avoid a large amount of misinformation regarding Farm & Ranch insurance.

You Don’t Have To Analyze The Market.

It’s vital that you analyze the market while you research different policies. Market projections help dictate how the crops on the farm may perform during a specific season.

Add Umbrella Insurance Instead

There is a misconception that adding umbrella insurance is a better way to cover everything on the farm. This is incorrect. Farm and ranch insurance allows farmers to protect their crops, livestock, and equipment in ways that other policies do not.

The Policy Only Covers Farmers With A Lot Of Crops

This is incorrect. The policy will protect you regardless of the size and the number of crops that you are growing.

Farm & Ranch Insurance Is Too Complex

Some farmers believe that finding the right policy is too complex, which causes them to avoid entering the industry altogether. Regardless of the market conditions and your goals, you should find a policy that suits your needs and allows you to be successful.  

Rasor Insurance Will Help You Find Coverage

Contact our office today to learn more about our commitment to helping the Prosper and Celina, TX community.

If you farm or ranch in Celina, TX, your farm is a part of who you are. It’s more than just an investment; it’s a way of life. At Rasor Insurance, we understand how vital that way of life is, and we work hard to help you find the protection you need.

Considering your unique needs, you need a policy that reflects your personal circumstances. Standard coverage can include all of these:

• Dwelling coverage to protect any homes on the farm in case of fire, lightning, storms, accidents, theft, and vandalism.
• Farm personal property coverage to protect your livestock, equipment, and other machinery.
• Farm liability, to protect you in case there is an accident on your property, which will cover medical bills and physical damage.
• Farm outbuilding, for any sheds, barns, or other outside structures.
• Additional living expenses or fair rental value, in case you cannot live in your home temporarily because of a loss already covered under your policy.

No one wants to pay for more than they need, but you need to discuss with your agent everything of value on your farm to make sure that you have at least as much protection as you need. Besides the standard coverage, you can also get additional coverage to cover you in case your farm equipment breaks down, to include lost income, and many other circumstances.

If you live in Celina, TX, you may be eligible for discounts too. There are discounts for transferring your policy, paying in full for a year, bundling your insurance policies, and for other reasons. If you are interested in seeing if you can get better coverage to meet your needs, or if you have any questions, please call Rasor Insurance today.