Farm and ranch owners insurance is similar to a homeowners policy with extensions of coverage specific tofarms and ranches. Specifically, coverage is extended to barns, stables, and other farm buildings as well as liability resulting from farm and ranch operations. Homeowners policies exclude coverage (property and liability) for any business operations. Farm and ranch policies include coverage for farm and ranch business property and operations. For example, a barn is excluded under the outbuilding coverage of a homeowners policy because it is a structure used in business. Under a farm or ranch policy the barn and its contents are covered. Additionally, liability that arises from farm or ranch operations is also covered. An example is a cow that gets through a fence and causes an accident on the highway.