The Ranch & Estate program utilizes forms developed in conjunction with the American Association of Insurance Services (AAIS) and insures the usual and unique property exposures of most horse farm owners, whether their operations are primarily personal, commercial, or both. It provides insurance coverages for dwellings and related coverages, farm buildings including barns, arenas, and farm personal property including tack and related equipment. 

 

The Ranch & Estate coverage can be combined with the Equine Commercial General Liability coverage and Care, Custody and Control coverage, plus other coverage options. Comprehensive Personal Liability, at limits equal to the each occurrence limit, can be written if the principal residence is owner occupied. 

 

Due to farm property inspection requirements, our agents generally confine their territory to a reasonable travel distance.

 

Property policies are available in all U.S. states except Alaska, California, Florida, Hawaii, Louisiana, and Texas.