Farm & Ranch Insurance That’s Grounded in What You Do

Coverage that protects your land, your livelihood, and your way of life — from seasoned agents who understand rural risk.
A white background with a few trees in the background

Built for the Landowners and Producers of Texoma

Your land does more than produce — it supports your family, your business, and your future. Arnett Insurance has decades of experience helping Oklahoma and Texas farmers and ranchers secure coverage that fits their operation.



From barns and fencing to livestock and liability, we help you understand your exposures and protect against the unexpected.

What Does Farm Insurance Cover?

We work with multiple carriers to craft flexible farm and ranch policies that can include:

A black and white drawing of a barn and silo.

Property Insurance

Covers your home, barns, sheds, silos, and other outbuildings

A black and white drawing of a tractor on a white background.

Equipment Coverage

Tractors, plows, irrigation systems, and other essential machinery

A cow and a calf are standing next to each other on a white background.

Livestock Coverage

Horses, cattle, poultry, and other animals, with options for mortality, theft, and accident

A black and white icon of a person with a broken arm.

Liability Insurance

Protection if someone is injured on your land or by your operation

A black and white icon of a truck with a ladder on the back.

Farm Auto

Covers trucks and trailers used for business and transport

A black and white drawing of three plants in a field.

Crop Insurance

Available through referral or partner support if needed

We can also add umbrella insurance coverages for higher liability limits or tailor special endorsements for unique risks.

Smart Discounts & Flexible Options

Depending on your carrier, you could qualify for:

  • Good driver discounts
  • Safe car savings
  • Good student discounts
  • Multi-policy savings (bundle home & auto)
  • Flexible payment plans
  • Free windshield repair and claims guarantee options

Why Local Farmers Trust Arnett Insurance

  • We’ve insured farms and ranches since 1964
  • We live and work in Texoma, so we know your challenges
  • We offer access to competitive rates and reliable carriers
  • We help with claims — not just sales

Whether you run a large operation or a small family farm, we’ll help you get the coverage you need without paying for extras you don’t.

A black and white drawing of a barn in the middle of a field.

Ranch Insurance in Oklahoma and Texas

From grazing land to breeding stock, ranch insurance policies protect what makes your business possible. We help you:

  • Insure owned and leased land
  • Add seasonal or custom coverage for traveling livestock or shows
  • Review policy limits to keep up with growth or new purchases

Looking for ranch insurance policies in Oklahoma or comparing farm insurance in Texas? We’re ready when you are.

Farm & Ranch Insurance FAQs

  • Is farm insurance different from homeowners insurance?

    Yes — it includes protection for commercial exposures like equipment, livestock, and liability that aren’t covered in standard home policies.

  • Can I insure leased equipment or land?

    In most cases, yes. We’ll review your lease agreements and help you structure the right coverage.

  • What if I sell produce or host events on my land?

    We’ll help you address any commercial activity and ensure your policy covers all the ways your farm earns income.

  • Are hobby farms eligible for coverage?

    Absolutely. Even small-scale operations deserve protection. We’ll tailor a plan that fits your setup.