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American Equine Farm Insurance

    Coverage Description

    Only one policy, the Equestrian Ranch & Estate program from the United National Group of Insurance Companies has been designed from the ground up as a “true” equestrian insurance package. Let’s face it, there are dozens of companies offering farm policies for horse operations. Trouble is – their application is thirty pages long and they aren't priced competitively. When you finally finish telling them how many hog fountains and farrowing crates you don’t own, the quote you receive sends you into cardiac arrest.

    Getting a quote is easy! The property section of our farm application is only five pages long, with an additional five pages to address your liability exposures. We’ll need photos of your buildings at some point as well, but we won't trouble you with those until after we've shown you a competitive quote.

    Eligibility Guidelines

    The Equestrian Ranch & Estate program has been specifically designed for both private and commercial equestrian properties in which the farm is used for equestrian activities and incidental farming.

    This package is available to most forms of legal ownership within forty-four approved states and the District of Columbia, and may be occupied by the owner, tenant or a co-owner with a 50% or more financial interest in the venture.

    Commercial operations may include any of the following:

    • Individual Horse Owners
    • Race Horse Owners & Trainers **
    • Boarding **
    • Riding Instruction
    • Training **
    • Breeding **
    • Private Lessons
    • Clinics
    • Horse Sales
    • Horse Shows
    • Horse Clubs

    ** Care, Custody or Control may be added if necessary.

    Get More Information

    Equestrian Ranch & Estate Coverage Forms

    Feel free to review our coverage forms. The description to the right of each form will assist you in picking out which policy is most appropriate for you. The forms we most often use are at the top of the list.

    Farm Property Coverage Forms

    • Farm Dwelling Program Summary - This is a complete summary of the dwelling coverage forms used by our Ranch & Estate program. Use it as a quick reference for covered perils and sub limits.
    • FO 5 - Elite - Main dwelling is valued over $150,000 and is owner-occupied. Main dwelling is covered for elite perils, contents are covered for special perils.
    • FO 3 - Special - Main dwelling is valued over $50,000 and is owner-occupied. Main dwelling is covered for special perils, contents are covered for broad perils.
    • FO 4 - Tenant - Premises are tenant-occupied. Contents are covered for broad perils.
    • FO 2 - Broad - Main dwelling is valued over $20,000 and is owner-occupied. Main dwelling and contents are covered for broad perils.
    • FO 1 - Basic - Main dwelling is valued over $20,000 and is owner-occupied. Main dwelling and contents are covered for basic perils.
    • FO 8 - Condo - Main dwelling is an owner-occupied condominium. Main dwelling and contents are covered for broad perils.
    • FO 6 - Farm - Farm coverage form that includes coverage for farm personal property and outbuildings.
    • FO 20 - Supplemental Property Coverages

    Farm Liability Coverages

    Eligible States

    Following are the states in which our Ranch & Estate program is available. This list will be updated as additional states approve our filings.

    Alabama Arizona Arkansas Colorado Connecticut
    Delaware Georgia Idaho Illinois Indiana
    Iowa Kansas Kentucky Maine Maryland
    Massachusetts Michigan Minnesota Mississippi Missouri
    Montana Nebraska Nevada New Hampshire New Jersey
    New Mexico New York North Carolina North Dakota Ohio
    Oklahoma Oregon Pennsylvania Rhode Island South Carolina
    South Dakota Tennessee Utah Vermont Virginia
    Washington West Virginia Wisconsin Wyoming

     

    Coverage descriptions are for general information only. Please refer to actual policy wordings for a full explanation of coverages.