Farm, Ranch & Agribusiness Insurance
Overview
Farm and ranch insurance is essential because your agricultural property is more than just a home or a business—it’s both. Unlike standard homeowners or commercial policies, it’s designed to protect the unique blend of personal residence, working land, equipment, livestock, and liability risks farmers and ranchers face every day. From severe weather and crop losses to theft, accidents, or livestock illness, this coverage helps safeguard your operation against unpredictable events that could otherwise cause devastating financial setbacks.
Liability protection is another key piece, covering incidents like visitor injuries, worker accidents, or equipment damage to neighboring property. Many policies also include income protection if a covered loss interrupts your ability to farm, ensuring stability for your family and business. Ultimately, farm and ranch insurance provides peace of mind by protecting your livelihood, your lifestyle, and the legacy you’re building—whether you run a small family farm or a large commercial operation.
country Estate insurance
Your Life. Your Land. Your Values.
Let me help you choose a policy that not only protects your little piece of the American Dream—but also safeguards the vision you have for your future. Whether you’re raising horses, harvesting hay, or simply enjoying wide-open land, your property is more than just a home; it’s a lifestyle, a passion, and in many cases, a legacy. You deserve insurance that understands and embraces that.
That’s where Country Estate Insurance comes in—a policy designed specifically for people like you: independent, hardworking individuals who value the peace of country living while managing the unique responsibilities that come with owning land, livestock, or hobby-farm operations. It's more than just insurance for your home—it's comprehensive protection for your entire rural lifestyle.
SFP 10® – A Flexible, Tailored Package
No Two Farms or Ranches Operate Exactly Alike
Your business is unique—and your insurance coverage should reflect that. No two farms or ranches operate exactly alike, which is why a one-size-fits-all approach simply doesn’t work when it comes to protecting what you’ve worked so hard to build. Whether you run a multi-generational farm, manage a thriving ranching operation, or oversee a specialized agricultural enterprise, you deserve insurance that’s as flexible, tailored, and hardworking as you are.
That’s where our Special Farm Package 10® (SFP 10®) comes in—a comprehensive insurance solution built specifically for today’s farmers and ranchers. SFP 10® gives you the ability to bundle coverages that matter most to your operation, helping you safeguard not only your property and equipment, but also your income, your livestock, and your liability exposures. It's not just a policy—it's a foundation for long-term protection and peace of mind.
To enhance this customizable foundation, we offer Agribusiness Choice, Select, and Premier—three tiers of endorsements that allow you to expand and refine your coverage even further. Each option offers its own level of protection, allowing us to build a coverage portfolio that mirrors the scale, complexity, and risks of your individual operation.
That’s where Country Estate Insurance comes in—a policy designed specifically for people like you: independent, hardworking individuals who value the peace of country living while managing the unique responsibilities that come with owning land, livestock, or hobby-farm operations. It's more than just insurance for your home—it's comprehensive protection for your entire rural lifestyle.
Equine Select
Crafted To Meet the Needs Horse Owners Face Everyday
Today’s horse operation requires insurance coverage that is as flexible and unique as the animals and people involved. Every equine business, whether large or small, has its own set of risks and goals, and those need to be met with tailored solutions designed specifically for the equine industry. American National’s Equine Select endorsement, available through our Special Farm Package 10® (SFP 10®) policy, is crafted to meet these needs by offering comprehensive protection that addresses the many unforeseen risks horse owners and operators face daily.
Running a horse operation—whether you’re breeding, training, boarding, or simply caring for horses as a passion—comes with distinct challenges. From liability concerns like injuries on your property, to the protection of expensive barns, arenas, and specialized equipment, to safeguarding the health and safety of your horses themselves, the exposures can be complex. Equine Select is designed to provide a broad yet flexible range of coverage options to address these diverse needs.
This endorsement not only offers liability protection, helping shield you from claims brought against you as a result of your equine business, but also delivers property and casualty coverage that safeguards your physical assets. Whether it’s your stable, fencing, riding arenas, or specialized machinery, this policy helps protect your investments from damage caused by fire, storms, theft, and other covered perils.
What makes Equine Select especially valuable is its adaptability. It can be customized to fit the specific size and scope of your operation—whether you’re a professional breeder managing valuable bloodlines, a trainer working with multiple horses, or a boarding facility providing care and recreation for your clients’ horses. The policy can be adjusted to ensure you’re not paying for coverage you don’t need, while also giving you peace of mind that the areas where you’re most vulnerable are protected.
Beyond the physical property, Equine Select addresses the important liability exposures unique to equine businesses. Injuries to riders, guests, or employees, claims arising from horse-related accidents, and damages to third-party property are all risks that can have serious financial consequences. This endorsement provides you with the legal and financial backing to handle these situations confidently.
With the Equine Select endorsement, you’re not just getting insurance—you’re gaining a partner that understands the complexities of your horse operation. Together, we can evaluate your risks, discuss your goals, and craft a policy that protects what you’ve worked so hard to build. Whether your focus is breeding champion horses, providing a safe boarding facility, or offering training and lessons, we’re here to help you secure your future and keep your operation thriving.
That’s where our Special Farm Package 10® (SFP 10®) comes in—a comprehensive insurance solution built specifically for today’s farmers and ranchers. SFP 10® gives you the ability to bundle coverages that matter most to your operation, helping you safeguard not only your property and equipment, but also your income, your livestock, and your liability exposures. It's not just a policy—it's a foundation for long-term protection and peace of mind.
To enhance this customizable foundation, we offer Agribusiness Choice, Select, and Premier—three tiers of endorsements that allow you to expand and refine your coverage even further. Each option offers its own level of protection, allowing us to build a coverage portfolio that mirrors the scale, complexity, and risks of your individual operation.
That’s where Country Estate Insurance comes in—a policy designed specifically for people like you: independent, hardworking individuals who value the peace of country living while managing the unique responsibilities that come with owning land, livestock, or hobby-farm operations. It's more than just insurance for your home—it's comprehensive protection for your entire rural lifestyle.