Farm  Ranch  & Estate  Policy 

    
        Insurance, In-synch

Allen Financial Insurance Group and The Equestrian Group have been servicing agribusiness and equestrian related risks for over thirty years.  In the event of a loss, our customers are secure in the knowledge that their claim will be processed by our in-house staff specially trained to handle agribusiness losses. 

The Travelers  Farm, Ranch & Estate 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 hobby farm to a multi-state commercial farm.

Homeowner vs Farmowner
Coverage Differences Explained

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
	Fire Department Service  No limit, no deductible
	Debris Removal:  $10,000 if covered cause of loss
	Pollution Clean-up:  $10,000 if covered cause of loss

COVERAGE B -- OTHER PRIVATE STRUCTURES
 

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

COVERAGE C -- HOUSEHOLD PERSONAL PROPERTY
 

	Limit 50% of dwelling limit is standard. Higher limits available.
	Property off premises $1,000 worldwide
	Special Limits  $2,000 for grave markers  $3,000 for securities and letters of credit  $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  $500 for credit card and fund transfer card forgery and counterfeit money.

COVERAGE D -- ADDITIONAL LIVING EXPENSES
 

Coverage for necessary increases in living expense if a covered cause of loss renders your home uninhabitable.  10% of dwelling limit

  Agri Plus II Endorsement

• $10,000 for hay, straw and fodder
• $10,000 for computer equipment & software
• $10,000 for miscellaneous equipment
• $10,000 for office equipment
• $10,000 for transportation of farm personal property
• $50,000 limit for hay per stack (increased from $10,000)
• $250,000 for new farm structures (increased from $100,000)
• $10,000 rental reimbursement for mobile farm machinery and equipment
• Replacement cost value for partial loss under Coverage E or F for machinery

  Orchard/Vineyard Endorsement

• $25,000 replacement cost for damage to tree or vines at insured location
• $25,000 for loss or damage to harvested orchard or vineyard products at insured location
• $10,000 for loss or damage to harvested orchard or vineyard products at other than insured location
• $5,000 for loss or damage to harvested product in the custody of common or contract carrier
• $5,000 for un-collectable bills due to product damage shipped at buyers risk
• $3,000 replacement cost for unscheduled signs

  Dairy Endorsement

• $10,000 for spoilage of owned milk
• $10,000 contamination of owned milk
• $50,000 for hay, straw and fodder
• $2,000 per animal livestock collision
• $10,000 additional extra expense coverage
• $1,000 per animal livestock theft ($5,000 per occurrence)
• $100,000 limit for hay per stack
  (increased from $10,000)
• Contamination of non-owned milk

  Equine Property Endorsement

• $10,000 Tack & Equipment
• $3,000   Signs & Entrance Gates
• $3,000   Fences & Corrals
• $1,500   Feed & Supplements

  High Value Dwelling Endorsement

• Dwelling replacement cost loss settlement up to 125% of Coverage A
• Appurtenant Structures increased to 20% of Coverage A
• Ordinance of Law added up to 30% of Covearge A
• $10,000 for credit cards, fund transfer cards, forgery or counterfeit currency
• $5,000 Arson Reward

                              COMPREHENSIVE PERSONAL & COMMERCIAL GENERAL LIABILITY

Limits

Occurrence	$100,000 - $1,000,000
General Aggregate	$200,000 - $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 $25,000,000
	Care, Custody & Control Optional coverage for horse of others under your control with limits $5,000 to $250,000

• 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.