Farm Insurance | Ranch Insurance

Farm Insurance
Ranch Insurance – Estate Insurance
By: Allen Financial Insurance Group

Contact us for a no obligation Farm Insurance or Ranch Insurance 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.

Farm Insurance - Ranch Insurance - Ranch - Farm

ABOUT
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).

Farm Ranch & Estate Insurance American Reliable_Cattle

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.

 Ranch Insurance

Farm Insurance & Ranch Insurance Coverage Highlights

 

oval Eligibility
Individuals. partnerships, corporations, limited-liability corporation (LLC) owner or tenant operator.
oval 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.
oval Deductibles
$250 to $25,000
oval Identity Theft
$15,000
oval Fire Department Service
$2,500 Limit on fire department service charge
oval Debris Removal:
$250 if covered cause of loss
oval Expanded Debris Removal
Limit increased to $100,000
oval Pollution Clean-up:
$10,000 if covered cause of loss
oval Loss of Farm Income:
Continuation of farm income during restoration period
oval Sewer Backup
oval Equipment Breakdown
oval Flood & Earthquake
COVERAGE A -- DWELLING

 

oval Replacement Cost
Primary dwelling and structures attached to covered dwellings when insured to 80% or more of replacement cost value. 
oval Inflation Guard
Optional on dwelling (including ordinance and law option)
oval Satellite Dish/Antenna
$150 excess of deductible.
COVERAGE B -- APPURTENANT PRIVATE STRUCTURES
oval 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
bullet Limit10% of dwelling limit
COVERAGE C -- HOUSEHOLD PERSONAL PROPERTY

 

oval Limit
75% of dwelling limit is standard. Higher limits available.
oval Property off premises
$1,000 worldwide
oval 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.
oval Replacement Cost
For nominal charge, Coverage C Limit automatically increased to 70% of dwelling limit.
oval Expanded Replacement Cost
120% of Dwelling limit
oval Refrigerated Products
$500 for refrigerated household contents. No deductible
oval Credit Card
$1,000 for credit card and fund transf
COVERAGE E & F -- FARM PERSONAL PROPERTY
oval Farm Machinery:
$50,000 for up to 60 days for newly acquired
Earthquake and Flood for machinery and livestock
oval 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%)
oval Personal Property of Other:
$2,500
oval Scheduled Personal Property
Basic, Broad or All Risk Perils
oval Farm Chemicals at $25,000 & Transportation of farm chemicals at $25,000 at no additional charge
oval Replacement Cost :
Available for office contents and tack
oval Transportation:
$2,000 included
oval Farm Records:
$2,000 for restoration. No deductible
oval Extra Expense:
$2,000 included. No deductible
oval Livestock:
Up to $2,000 per animal available
oval Peak Season:
Available for seasonal fluctuations
oval Cab Glass on Mobile Machinery
No Deductible
oval Equipment Breakdown Coverage
COVERAGE G -- OTHER FARM STRUCTURES
bullet Replacement Cost:
Available when insured to 80% of Replacement Cost. If not insured to 80%, Actual Cash Value applies.
bullet Expanded Replacement Cost Endorsement:
Dwelling covered up to 120% of declared limit when loss exceeds insured amount.
bullet New Construction:
Automatic $250,000 coverage for 60 days.
bullet Loss of Income:
$10,000 available per building.
bullet Blanket Coverage:
Available for farm buildings other than dwellings
SPECIALTY COVERAGE & ENDORSEMENTS
oval Family farms and ranches
oval Large commercial growers and packers of agricultural products
oval Cattle, Sheep & Llama Ranches
oval Grain and Row Crop growers
oval Horse Farms including Boarding, Training & Riding Instruction
Equine Professional Services Endorsement
oval Cotton growers
oval Citrus growers
oval Dairy Farms
oval Elk Farms
oval Feed Lot
oval Fish Farms
oval Hay Farms
oval Hobby / Gentleman Farms
oval Managed / Trust Accounts
oval Nut Orchards & Berry growers
oval Professional Farm
oval Vineyards
Orchard & Vineyard Endorsement
oval Wholesale nurseries
FARM AUTOMOBILE
oval

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

Farm Insurance - Ranch Insurance - Farm - Ranch
Farm Insurance - Ranch Insurance - Farm - Ranch
Farm Insurance - Ranch Insurance - Farm - Ranch
Farm Insurance - Ranch Insurance - Farm - Ranch

Flexible Billing: 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

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.

Farm Insurance
Information

Farm - Ranch - Ranch Insurance - Farm Insurance

Contact us by phone (800) 874-9191, FAX (602) 992-8327
or email below for more Ranch Insurance & Farm Insurance information.

Farm Insurance - Farm - Ranch - Ranch Insurance