Farm & Ranch

Watch your business grow faster than you can say "ee-i-ee-i-oh." This program is intended for individually owned farms and ranches that are owner or tenant occupied. Coverage is available for additional locations owned by the insured.

Contact your Underwriter at Sovereign or or 800-843-0843

About Our Agency

Sovereign serves insurance professionals in New York, New Jersey, Pennsylvania & Massachusetts. All programs are not available in all states.

Coverages Available


  • Basic and Broad property forms available
  • Dwellings and personal property
  • Barns and farm structures
  • Loss of Use/Additional Living Expense
  • Farm personal property


  • Personal Liability for owner occupancies 

Coverages NOT available

  • All Risk
  • Crop Coverage
  • Farm Employer's Liability
  • Flood
  • Increased limits on jewelry, furs, or guns
  • Liability only
  • Products liability coverage
  • Property coverage on unused out buildings
  • Scheduled personal property
  • Scheduled livestock
  • Watercraft
  • Animal Mortality


  • A signed application must be accompanied by a color photo of all buildings to be insured
  • Physical Inspections with special attention to wiring is required on all risks
  • Owner Occupied can be written as a package or as a monoline Property policy
  • Tenant Occupied - can be written as a monoline property policy only. No Liability available
  • Tenant Package - can be written as a package or as a monoline property policy
Effective Date: 02/18/2019