Farm and Ranch Insurance in Pagosa Springs, CO
Farming and ranching are an important part of life in and around Pagosa Springs. From small family operations to working ranches spread across Archuleta County, agriculture here is shaped by mountain terrain, changing seasons, and a deep connection to the land. At Smith Insurance, we provide farm and ranch insurance in Pagosa Springs, CO designed to protect the property, equipment, livestock, and livelihoods that local farmers and ranchers depend on every day.
Standard homeowners policies rarely provide the level of protection needed for agricultural operations. Our farm and ranch insurance coverage in Pagosa Springs, CO is built specifically for the risks that come with managing land, animals, and equipment in Southwest Colorado.
Insurance Built
for Pagosa Springs Agriculture
Pagosa Springs farms and ranches face unique challenges. High elevation, heavy snowfall, hailstorms, wildfire risk, and remote locations all affect how property and livestock should be insured. Whether your operation includes cattle grazing near the San Juan River or hay production in open mountain valleys, your coverage needs to reflect local conditions.
As a local independent broker, we understand these risks and work to tailor insurance solutions that align with how your farm or ranch operates throughout the year.
Comprehensive Property Coverage
for Farms and Ranches
Property protection is a core part of farm and ranch insurance. Coverage typically includes barns, sheds, outbuildings, farm dwellings, fencing, and storage structures. It can also extend to equipment, tools, hay, feed, and personal property used in daily operations.
In Pagosa Springs, where winter weather can be severe and storms unpredictable, property coverage helps protect against damage from fire, wind, hail, and snow loads. We help ensure coverage limits reflect the true value of your buildings and assets.
Liability Protection
for Agricultural Operations
Liability coverage is essential for farms and ranches that welcome visitors, employ workers, or sell products directly to the public. Farm and ranch liability insurance helps protect against injuries or property damage that may occur as part of daily operations.
Whether it involves a visitor injured on uneven ground, an accident involving equipment, or issues related to livestock, liability coverage can help cover medical expenses, legal defense costs, and settlements. We work with you to identify potential exposures and build appropriate protection.
Livestock Coverage
for Cattle, Horses, and More
Livestock represent a significant investment for many Pagosa Springs ranchers. Farm and ranch insurance can include coverage for cattle, dairy animals, horses, and other livestock. Depending on the policy, coverage may protect against theft, certain weather events, accidents, or mortality.
For horse owners, additional options may be available for boarding, training, or breeding operations. We help you understand available endorsements and select coverage that fits your livestock operation.
Equipment and Farm
Vehicle Coverage
Modern farms and ranches rely heavily on equipment. Tractors, combines, irrigation systems, and other machinery are critical to daily operations. Farm and ranch insurance can include coverage for these assets, both on and off the property.
Policies can also address farm vehicles used for both business and personal purposes. We help ensure vehicles are properly classified and insured to avoid coverage gaps.
Business Interruption
and Income Protection
When a covered loss disrupts operations, business interruption coverage can help replace lost income and cover ongoing expenses. This is especially important in Pagosa Springs, where seasonal timing plays a major role in agricultural success.From wildfire impacts to severe weather events, business interruption coverage can help keep operations financially stable during recovery.
Why Work with an
Independent Broker
As an independent broker, we are not tied to one insurance carrier. This allows us to shop multiple providers and find the best combination of coverage and cost for your farm or ranch. Our priority is always you, not the insurance company.
With 16 years of combined experience, Michael and Kelseigh bring knowledge, responsiveness, and a personal approach to every policy we write. We are licensed in Colorado, Arizona, New Mexico, Texas, and Utah, providing flexibility for operations that span state lines.
Local Knowledge
You Can Rely On
Living and working in Pagosa Springs gives us insight into the agricultural landscape and climate challenges local farmers and ranchers face. From snow-heavy winters to dry summer conditions, we understand how these factors affect risk and coverage needs.Our local expertise helps ensure your policy aligns with real-world conditions, not generic assumptions.
Protecting Pagosa Springs
Farms and Ranches
At Smith Insurance, we know that farming and ranching are more than businesses. They are livelihoods built on hard work and long-term commitment. Our farm and ranch insurance in Pagosa Springs, CO is designed to protect everything you have built, from land and livestock to equipment and income. As an independent broker with local expertise and personalized service, we help you secure coverage that fits your operation today and adapts as it grows. Contact us to discuss farm and ranch insurance coverage in Pagosa Springs, CO and protect your future with confidence.