Farm, Ranch & Estate Insurance

It is essential that your farm or ranch be protected with an insurance policy specifically designed for your farm, ranch or business.  It is equally important that the insurance company has a strong financial background and extensive agribusiness experience.  These are the key features of the American Reliable Insurance Co and American Bankers Insurance Co Farm and Ranch Policy.
 

This Farm and Ranch Policy offers some of the industry's broadest and most comprehensive coverage available to the  ranch or farm owner at a competitive preferred price.

Coverage can be custom designed to meet the specific needs of your operation, from a small acreage pleasure farm to a multiple location commercial farm.

HISTORY
 

In 1952, a new company of insurance pioneers opened its doors with aggressive new ideas.  American Reliable has experienced continual growth in assets and premiums for over 50 years.  The company was acquired by American Bankers Insurance Company of Florida in 1984.  In 1986, American Reliable became a direct subsidiary of American Bankers Insurance Group, Inc. (ABIG).  Fortis Inc. purchased ABIG in 1999 and combined the various operations of ABIG and its subsidiaries with the Fortis subsidiaries operating under the American Security Group designation under the service mark Assurant Group

American Reliable Insurance Company (ARIC), an Assurant Specialty Property company, offers specialty personal lines and farm owners coverage.  American Reliable has a Best's rating of "A-"(Excellent). A.M. Best is an independent organization that rates insurance companies based on financial strength and operating performance.

Highlights

	Eligibility Individuals. partnerships, corporations, limited-liability corporation (LLC) owner or tenant operator.
	Format Multi-line policy able to include dwelling, personal property, farm property, farm personal property, liability, auto, care, custody or control, watercraft, and umbrella in one policy.
	Deductibles $250 to $25,000
	Identity Theft $15,000
	Fire Department Service $2,500 Limit on fire department service charge
	Debris Removal: $250 if covered cause of loss
	Expanded Debris Removal Limit increased to $100,000
	Pollution Clean-up: $10,000 if covered cause of loss
	Loss of Farm Income: Continuation of farm income during restoration period
	Sewer Backup
	Equipment Breakdown
	Flood & Earthquake

COVERAGE A -- DWELLING

 

	Replacement Cost Primary dwelling and structures attached to covered dwellings when insured to 80% or more of replacement cost value.
	Inflation Guard Optional on dwelling (including ordinance and law option)
	Satellite Dish/Antenna $150 excess of deductible.

COVERAGE B -- APPURTENANT PRIVATE STRUCTURES
 

Limit 10% of dwelling limit for detached garages, swimming pools, etc. Higher limits available for charge.

COVERAGE C -- HOUSEHOLD PERSONAL PROPERTY

	Limit 75% of dwelling limit is standard. Higher limits available.
	Property off premises $1,000 worldwide
	Special Limits $2,000 for grave markers $3,000 for furs, jewelry, precious stones and watches $5,000 for firearms $400 money, gold, platinum, silverware $3,000 for watercraft, outboard engines, watercraft furnishings and trailers $5,000 business property on premises, 10% off premises $5,000 for silverware or goldware.
	Replacement Cost For nominal charge, Coverage C Limit automatically increased to 70% of dwelling limit.
	Refrigerated Products $500 for refrigerated household contents. No deductible
	Credit Card $1,000 for credit card and fund transfer card forgery and counterfeit money.

COVERAGE D -- LOSS OF USE / RENTAL VALUE

Limit 10% of dwelling limit

COVERAGE E & F -- FARM PERSONAL PROPERTY
 

	Farm Machinery: $50,000 for up to 60 days for newly acquired Earthquake and Flood for machinery and livestock
	Personal Property of Other: $2,500
	Scheduled Personal Property Basic, Broad or All Risk Perils
	Replacement Cost : Available for office contents and tack
	Transportation: $2,000 included
	Farm Records: $2,000 for restoration. No deductible
	Extra Expense: $2,000 included. No deductible
	Livestock: Up to $2,000 per animal available
	Peak Season: Available for seasonal fluctuations
	Cab Glass on Mobile Machinery No Deductible

Occurrence	$500,000 - $1,000,000
General Aggregate	$1,000,000 - $2,000,000
Aggregate Products/Completed Operations	$200,000 - $2,000,000
Personal/Advertising Injury	$100,000 - $ 1,000,000
Chemical Drift Aggregate	$25,000 - $500,000
Medical	$5,000
Fire Legal Liability	$50,000

	Newly acquired or leased premises: Automatically covered during policy term. Must be added at renewal to be covered.
	Broad Form Contractual: Included
	Custom Farming: Included when receipts less than $10,000
	Pollutant Cleanup $10,000 including debris removal (can be increased)
	Automobile: Optional
	Personal Injury: False arrest, slander, wrongful entry and eviction covered
	Advertising: Included
	Incidental Business Pursuits: Available subject to underwriting guidelines for charge
	Catastrophe Liability: Excess liability available with limits $1,000,000 to $10,000,000 Written over A rated third party automobile and workers compensation
	Equine Care, Custody & Control Optional coverage for horse of others under your control with limits $5,000 to $250,000
	Dairy First party milk contamination coverage available.
	Hunting & Fishing Endorsement
	Retail Store Endorsement

FARM AUTOMOBILE

AZ, AK, CO, GA, ID, IL, IN, KY, PA, MS, MT, OR, WI

• Lump Sum: 25% down and receive a bill for the remaining balance in a month. We'll send you one bill upon renewal.
• Semi-annual Payment: 50% down payment and 50% in six months.
• Four Payment: 25% down and receive up to three installment bills.
• Ten Payment: 25% down and pay premium by the end of the tenth month, with the remaining premium spread throughout the nine monthly bills.
• Direct Bill Toll Free Hotline

Claims Service: 24 hours, 7 days a week toll-free Claim Action Hotline puts you in immediate contact with a claim service representative, enabling you to report claims quickly and efficiently. Prompt reporting helps mitigate the risk of injury or damage and expedites claim handling.