Farm and Ranch Insurance

Farm & Ranch Insurance in Delaware, Maryland & Pennsylvania

Protect your land, livestock, equipment, and lifestyle with comprehensive farm & ranch insurance from Downes Insurance. Whether you're running a small family farm in Sussex County, managing hay fields in Kent Island, or raising livestock in Lancaster County, we offer tailored policies engineered for agricultural risks across DE, MD & PA.

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Why Farm & Ranch Insurance Is Essential

Standard homeowner policies often exclude farming risks. You need a dedicated plan that provides:

• Property coverage for barns, silos, farmhouses, fences, and machinery

• Liability protection for visitors, deliveries, and farm operations

• Crop, livestock & equine insurance—covering feed, breeding stock, and commercial livestock

• Business interruption for lost income after a covered event

• Equipment breakdown—protects tractors, irrigation systems, and other vital gear

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Coverage Options

• Buildings & Structures — Safeguards barns, storage sheds, outbuildings, and fences

• Business Personal Property — Covers farm machinery, tools, and equipment

• Livestock — Protection for cattle, horses, poultry, and more

• Crop Insurance — Coverage for planted crops facing weather or disaster

• General Liability — Covers bodily injury or property damage incidents on your farm

• Farm Umbrella — Extra liability limits above standard coverages for serious claims

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Who Can Benefit?

This coverage is ideal for:

• Family farms, hobby farms, or small commercial operations

• Livestock owners, equestrian facilities, or hay and crop growers

• Agricultural property with outbuildings, storage, and equipment

• Farm-based businesses like agritourism, farm markets, or roadside stands

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Local Service Across Three States

Tailored farm & ranch policies for:

Delaware: Sussex County, Kent County, New Castle County—Milford, Dover, Seaford
Maryland: Kent Island, Annapolis, Easton, Chestertown, Cambridge
Pennsylvania: Lancaster County, Chester County, York, Berks County

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Our regional knowledge covers local zoning, environmental risk, storm exposure, and agricultural regulations in each state.

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Bundle & Save with Multi-Line Discounts

Combine farm insurance with other policies—auto, home, liability, or farm umbrella—to unlock bundled savings, simplify renewal, and unify claims handling.

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Get Your Farm & Ranch Insurance Quote—Fast and Personalized

1. Provide key details about your farm, livestock, and equipment

2. We compare coverage options from specialized carriers

3. Receive tailored farm insurance quotes—no pressure, no surprises

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Protect your agricultural legacy with confidence. Get your comprehensive farm or ranch insurance quote today.

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Why Choose Downes Insurance?

• Independent agency licensed in Delaware, Maryland & Pennsylvania

• Specialized expertise in farm & ranch insurance for local agricultural needs

• Access to niche carriers offering crop, livestock, equipment and property coverage

• Personalized guidance, responsive service, and clear quoting

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Safeguard your livelihood, property, and farm business. Reach out now for your customized farm & ranch insurance quote.

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