Farm Insurance | Ranch Insurance
Ranch Insurance – Estate Insurance
By: Allen Financial Insurance Group
Contact us for a no obligation Farm Insurance or Ranch quote today!
It is essential that your Farm & 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 & Ranch Insurance Policy.
American Reliable’s business focus is reflected in the diversity of farms and equine operations we insure. Targeted risks include but not limited to production agriculture, farms and ranches, and all aspects of the equine industry. Insured operations range from a small hobby farm with a few animals and limited acreage, to multiple location vertically integrated agricultural enterprises. Additionally we can provide specifically tailored liability coverage for equine risks ranging from one horse to a complex public boarding, breeding or training facility. We have the coverage and capacity to meet the diverse needs of today’s AG or Equine customers and their complex insurance needs. Our strong commitment to our agents and insureds continues to be the driving force of our business model.American Reliable Insurance Company™ (ARIC) and American Bankers Insurance Company of Florida (ABIC), offering general agriculture and equine farmowners’ coverage throughout the United States. Established in 1952, American Reliable has an A.M.Best’s Rating of “A” (Excellent).
Allen Financial Insurance Group has been servicing farm and ranch clients for over thirty five years. In the event of a loss, our clients are secure in the knowledge that their claim will be processed by our in-house claims staff specially trained to handle equine losses. American Reliable’s agriculture team is a dedicated group of individuals focused solely on the agriculture and equine insurance industry.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.
Farm Insurance & Ranch Insurance Coverage Highlights
Individuals. partnerships, corporations, limited-liability corporation (LLC) owner or tenant operator.
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.
$250 to $25,000
| Identity Theft
| 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
|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.
Optional on dwelling (including ordinance and law option)
$150 excess of deductible.
COVERAGE B -- APPURTENANT PRIVATE STRUCTURES
|Limit10% of dwelling limit for detached garages, swimming pools, etc. Higher limits available for charge.
Homeowner vs Farmowner Coverage Differences Explained
COVERAGE D -- LOSS OF USE / RENTAL VALUE
|Limit10% of dwelling limit|
COVERAGE C -- HOUSEHOLD PERSONAL PROPERTY
75% of dwelling limit is standard. Higher limits available.
| Property off premises
| 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.
| Expanded Replacement Cost
120% of Dwelling limit
| Refrigerated Products
$500 for refrigerated household contents. No deductible
| Credit Card
$1,000 for credit card and fund transf
COVERAGE E & F -- FARM PERSONAL PROPERTY
$50,000 for up to 60 days for newly acquired
Earthquake and Flood for machinery and livestock
|Farm Enhancement Endorsement
Replacement cost on mobile farm machinery, animal collision, increased livestock limits, replacement cost on tack, extra expense, rented or borrowed equipment, expanded dwelling replacement cost (150%)
|Personal Property of Other:
| Scheduled Personal Property
Basic, Broad or All Risk Perils
|Farm Chemicals at $25,000 & Transportation of farm chemicals at $25,000 at no additional charge|
|Replacement Cost :
Available for office contents and tack
$2,000 for restoration. No deductible
$2,000 included. No deductible
Up to $2,000 per animal available
Available for seasonal fluctuations
|Cab Glass on Mobile Machinery
|Equipment Breakdown Coverage|
COVERAGE G -- OTHER FARM STRUCTURES
| Replacement Cost:
Available when insured to 80% of Replacement Cost. If not insured to 80%, Actual Cash Value applies.
|Expanded Replacement Cost Endorsement:
Dwelling covered up to 120% of declared limit when loss exceeds insured amount.
Automatic $250,000 coverage for 60 days.
|Loss of Income:
$10,000 available per building.
Available for farm buildings other than dwellings
SPECIALTY COVERAGE & ENDORSEMENTS
|Family farms and ranches|
|Large commercial growers and packers of agricultural products|
|Cattle, Sheep & Llama Ranches|
|Grain and Row Crop growers|
|Horse Farms including Boarding, Training & Riding Instruction
Equine Professional Services Endorsement
|Hobby / Gentleman Farms|
|Managed / Trust Accounts|
|Nut Orchards & Berry growers|
Orchard & Vineyard Endorsement
AZ, AK, CO, GA, ID, IL, IN, KY, PA, MS, MT, OR, WI
We offer several billing options to make it easier on your budget.
- 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
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.