Farm Ranch & Estate

AmRisk’s Farm, Ranch & Estate Insurance Policy
can combine all of your insurance needs in one policy.

Learn MoreContact Us Today
"

Protecting Farm Owner’s Businesses Since 1971

It is essential that your farm ranch estate be protected with an insurance policy specifically designed for your operations.  It is equally important that the insurance company has a strong financial background and extensive agribusiness experience. 

Farm Ranch & Estate Insurance Program

Contact us for a no obligation insurance quote today!

Please visit our Personal Private Client Services page.

The AmRisk Agribusiness Farm Ranch Estate 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.

AmRisk Insurance has been servicing farm and ranch clients for over fifty 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 farm and equine losses. 

Farm Ranch Insurance Policy Highlights

  • Eligibility  –  Individuals. partnerships, corporations, limited-liability corporation (LLC) owner or tenant operator.
  • Format  –  A Multi-line policy able to include Dwelling, Outbuildings, Personal Property, Farm Equipment, Farm Personal Property, Farm & Stable Liability, Automobile, Livestock care custody control, Watercraft, and Umbrella in one package.
  • Personal liability available for owner occupied dwellings
  • Choose from several property deductible amounts according to your budget
  • Equine Commercial Liability coverage for boarding, breeding, training riding instruction and special events
  • No deductible on liability claims
  • Coverage for the cost of your legal defense in excess of the policy limit

 

 Preferred Markets

  • Family Farms and Ranches
  • Equine Boarding & Training Stables
  • Large commercial growers and packers of agricultural products
  • Cattle Ranches & Feedlots
  • Grain and Row Crop growers
  • Horse Farms including Care Custody Control
  • Cotton growers
  • Citrus growers
  • Dairy Farms
  • Hobby Farms
  • Estate Farms
  • Nut Orchards & Berry Growers
  • Vegetable Growers & Packers
  • Vineyards
  • Wholesale nurseries
  • Wineries

Specialty Markets

  • Cotton Gins
  • Dairy Operations
  • Farm Products
  • Farm Supply Stores
  • Feed Manufacturing
  • Feed Lots
  • Feed, Hay and Grain Dealers
  • Fertilizer Dealers & Blenders incl Application
  • Flour Milling
  • Food Processing
  • Fish Processing & Farms
  • Fish or Seafood Processing
  • Elevators & Grain Handling Facilities
  • Grain Milling
  • Produce Packing
  • Seed Merchant

FARM RANCH ESTATE PACKAGE 

Standard Farm Ranch & Estate policy profile.  Limits and policy options can vary by insurance company.

COVERAGE A-- DWELLING
  • Replacement Cost – Primary dwelling and structures attached to covered dwellings when insured to 80% or more of replacement cost value.
    Inflation Guard
  • Optional on dwelling (including ordinance and law option)
  • Satellite Dish/Antenna – $1,500 Limit – Higher limit available
  • Trees, shrubs and plants within 500 feet of covered dwelling for up to $2,000.
COVERAGE B - OTHER PRIVATE STRUCTURES
  • 20% of dwelling limit for unattached structures appurtenant to the dwelling not used for farming purposes.
    No distance limitation. 
  • Higher limits available for charge.
COVERAGE C -- HOUSEHOLD PERSONAL PROPERTY
  •  75% of dwelling limit is standard. Higher limits available
  • Property off premises
    $1,000 worldwide
  • Special Limits
     $2,000 for grave markers
    $3,000 for securities and letters of credit
     $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.
  • Refrigerated Products
     $500 for refrigerated household contents. No deductible
  •  Credit Card
     $500 for credit card and fund transfer card forgery and counterfeit money.
COVERAGE D -- ADDITIONAL LIVING EXPENSES
  • Coverage for necessary increases in living expense if a covered cause of loss renders your home uninhabitable.  10% of dwelling limit
HIGH VALUE DWELLING ENDORSEMENT
  • Dwelling replacement cost loss settlement up to 125% of Coverage A
  • Appurtenant Garage increased to 20% of Coverage A
  • Ordinance of Law added up to 30% of Coverage A
  • $10,000 for credit cards, fund transfer cards, forgery or counterfeit currency
  • $7,500 Arson Reward
  • $2,000 Electronic Data Restoration
  • $1,000 Refrigerated Products
  • $1,000 Fire Extinguished Recharge
  • $500 Lock Replacement
  • Removal of fallen trees
COVERAGE E — SCHEDULED FARM PERSONAL PROPERTY
  • Newly Acquired Or Replacement Farm Machinery:
    $100,000 for up to 30 days
  • Personal Property of Other:
    $2,500
  • Tack & Related Equipment:
    No sub-limit for unscheduled items
  • Replacement Cost :
    Available for office contents and tack
  • Transportation:
    $2,000 included
  • Farm Records:
    $2.000 for restoration. No deductible
  • Extra Expense:
    $2,000 included. No deductible
  • Livestock:
    Up to $2,000 per animal available
  • Peak Season:
    Available for seasonal fluctuations
COVERAGE F — BLANKET OR UNSCHEDULED PERSONAL PROPERTY
  • Unscheduled farm machinery and equipment
  • Farm products in the open for certain causes of loss
  • Property in the custody of a common contract carrier
    $1,000 Limit
  • Cost of restoring farm records
    $2,000 Limit
COVERAGE G — OTHER FARM STRUCTURES
  • Replacement Cost:
    Available when insured to 80% of Replacement Cost. If not insured to 80%, Actual Cash Value applies.
  • New Construction:
    Automatic $250,000 coverage for 60 days.
  • Private Power and Light Poles
  • Outdoor Radio & TV equipment, antennas and towers
  • Fences, corrals, pens, chutes and feed racks
  • Silos, portable buildings and structures
  • Improvements and betterments
  • Loss of Income:
    Available for covered perils
  • Blanket Coverage:
    Available for farm buildings other than dwellings
OPTIONAL COVERAGE
  • Disruption of Farming Operations
  • Earthquake
  • Equine Professional Services Endorsement
  • Identity Theft Protection
  • Farm Computer Coverage
  • High Value Dwelling Endorsement
  • Trainers Professional Liability
  • Livestock Breeders Endorsement
  • Livestock Collision Endorsement
  • Beekeepers Endorsement
  • Watercraft Hull Coverage
  • Agricultural machinery rental reimbursement
  • Extra Expense and Business Income Coverage
  • Transportation Coverage increased limits
  • Enhanced Pollutant Cleanup Endorsement
  • Sump overflow and water backup from sewers and drains
EQUINE PROPERTY ENDORSEMENT
  • $10,000 Tack & Equipment
  • $5,000 Signs & Entrance Gates
  • $3,000 Fences & Corrals
  • $1,500 Feed & Supplements
  • Higher limits available

Contact Us Today!

Call 602.702.7600 or email ballen@amriskusa.com  today to discuss your insurance needs and offer you a quote.

PO Box 6230

Scottsdale, AZ  85261

+01 602-702-7600

ballen@amriskusa.com

Send Us A Message