FARM & RANCH COVERAGE
It is important that your horse operation be protected with a strong financial background and strong equine experience. These qualities are nowhere more apparent than in our strong Equine Farm and Ranch Policy. We've been providing this and other fine products supported by an in-house claims staff specially trained to handle equine operations.
This Farm and Ranch Policy offers one of the industry's broadest and most comprehensive products available to the modern-day horse farm owner at a competitive 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.
Key Benefits
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Eligibility Individuals. partnerships, corporations, limited-liability corporation (LLC) owner or tenant operator. |
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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. |
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Deductibles $500 to $25,000 |
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Fire
Department Service No limit, no deductible |
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Debris
Removal 25% of paid loss. |
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Pollution
Clean-up: $15,000 if covered cause of loss |
COVERAGE A-- DWELLING
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Replacement
Cost Included when insured to 80% or more of replacement cost value. To 125% of limit available for charge, subject to underwriting requirements. |
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Inflation
Guard Included at 5% |
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Satellite
Dish/Antenna $250 excess of deductible. |
COVERAGE B --
APPURTENANT PRIVATE STRUCTURES
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Limit 10% of dwelling limit for detached garages, swimming pools, etc. Higher limits available for charge. |
COVERAGE C --
HOUSEHOLD PERSONAL PROPERTY
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Limit 50% of dwelling limit. Higher limits available |
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Property
off premises Larger of 10% or $3,000 worldwide |
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Special
Limits $2,500 for unlicensed trailers, watercraft, gravemarkers $2,500 theft of jewelry or furs $3,000 theft of guns $500 money, gold, platinum, silver $2,500 business property on premises, 10% off premises |
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No
Limit Goldware, silverware |
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Replacement
Cost For nominal charge, Coverage C Limit automatically increased to 70% of dwelling limit. |
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Refrigerated
Products $500 for refrigerated household contents. No deductible |
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Credit
Card $2,000 for theft |
COVERAGE D -- LOSS OF
USE/RENTAL VALUE
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Limit 20% of dwelling limit |
COVERAGE E & F --
FARM PERSONAL PROPERTY
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Borrowed
Farm Machinery: $50,000 for up to 30 days |
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Personal
Property of Other: $2,500 |
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Replacement
Cost : Available for office contents and tack |
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Transportation: $2,000 included |
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Farm
Records: $2.000 for restoration. No deductible |
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Extra
Expense: $2,000 included. No deductible |
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Livestock:: Up to $3,000 per animal available |
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Peak
Season: Available for seasonal fluctuations |
COVERAGE G -- OTHER
FARM STRUCTURES
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Replacement
Cost: Applies when insured to 80% of Replacement Cost. If not insured to 80%, actual cash value applies |
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New
Construction: Automatic $125,000 coverage for 60 days |
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Loss
of Income: Available for covered perils |
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Blanket
Coverage: Available for farm buildings other than dwellings |
FARM GENERAL & PERSONAL LIABILITY
Limits
| Description | Amount |
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| Occurance | $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 | I% of occurrence limit |
| Fire Damage | $100,000 |
For more info please e-mail: ranch@equineinsuranceetc.com
Forms
(Click on the links below for forms)
