FARM
& RANCH
Horses
at home, has your hobby or home business grown into more
than you regular homeowner insurance will cover
!!!
The farm/ranch policy offers both
flexibility and broad protection for today’s ranch
owner. Whether you operate your horse farm as
individual, partnership, or a corporation we can offer
the necessary insurance protection that YOU need.
Coverage is available for all of your
different types of farm structures and Tenant Dwellings.
From the dwellings you live in, including your contents,
to your barns and other outbuildings hay barn, garage,
workshop, pipe pens, mare motel, and/or arena. We
can also add other types of property such as jewelry,
furs, art which can be scheduled.
Loss of Use coverage provides payment
for certain losses when your home is damaged and
rendered uninhabitable because of an insured loss.
Scheduled Farm Property coverage
provides protection the farm personal property that you
specifically name. (I.e. Tack, Tractors, Equipment,
ATV’s and/or Golf Carts)
Unscheduled Farm Personal Property
coverage provides specified perils coverage such as hay,
shavings, feed & misc. items usually valued at
$2,000 & under for the farm personal property that
you use in your farming operations.
Hay, Shavings, Feed, & Misc.
Items usually valued at $2,000 & under.
For an additional premium, coverage
for your farm machinery, farm buildings and structures
can include accidental direct physical losses. This
coverage may provide for additional losses such as
partial or total collapse of farm buildings.
Farm Liability provides Liability
Coverage up to the limits in the policy for damages
because of bodily injury or property damage caused by an
occurrence to which this insurance applies
Miscellaneous Farm Property including, entrance gates,
fencing, pumps, well/well houses, signs can be added.
On a separate policy, coverage is
available for personal automobiles, trucks, truck
tractors, horse trailers and trailers used in farming or
related to an agricultural operation. Agri
umbrella liability is available, too, with limits of $1
million to $10 million for excess limits above
underlying insurance for liability and business auto
coverage’s. Higher limits are also available.
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