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American Reliable Insurance Company (ARIC)
American Bankers Insurance Company of Florida (ABIC)
 
American Reliable
 
 
 
 
 
 
Farmers and Ranchers Policy
High Level of Trust, Industry Expertise and Unwavering Commitment

The Farmers and Ranchers Policy can cover the Dwelling(s), Contents, Outbuilding(s) Scheduled Farm Personal Property, Blanket Farm Personal Property and Liability limits up to $1,000,000 all in one package policy. We routinely offer property limits up to $4,000,000 with availability for higher limits upon approval. Several deductible options are available in addition to your choice of perils: Basic, Broad or Special.

  • Dwelling
  • Household Personal Property (Contents)
  • Inland Marine
  • Scheduled Farm Personal Property
 
  • Blanket Farm Personal Property
  • Farm Structures and Outbuildings
  • Farm Liability

Coverages Include:

  • New Construction of Farm Buildings
    (Basic Perils excluding theft)
    (30 days up to $60,000 except theft)
  • Milk Contamination other than insured's
  • Livestock and Machinery - Flood & Earthquake
  • Limited Pollution (up to $50,000)
  • Neighborly Exchange of Labor
 

 

  • Pollutant clean up and removal
    (up to $10,000)
  • Newly acquired machinery
    (30 days up to $50,000)
  • Fire Liability (up to $50,000)
  • All risk on Mobile Agricultural Equipment
  • Cab Glass on Mobile Machinery

Optional Coverages:

  • Replacement Cost - Household Personal Property
  • Custom Farming Liability
  • Loss of Income per Structure ($10,000 limit)
  • Limited Business Pursuits Liability
  • Cargo Coverage (limited)
  • Employers Liability (not available in all states)
  • Business, Office or Studio in Dwelling (limited)
  • Earthquake on Dwelling(s) and/or Outbuilding(s)
  • Broad or Special Structures or Outbuildings(s) including Collapse
 

 

  • Additional Perils - Livestock
  • Peak Season (livestock, grain or hay)
  • Commercial Equine Liability
  • Care, Custody and Control
  • Recreational Vehicles or Watercraft
  • First Party Milk Contamination
  • Livestock Animal Transit (limited)
The coverages described above are summarized and subject to the terms, conditions and exclusions printed in the policy. Refer to the policy form for specifics on coverage and limits. Also, all coverages are subject to state law, which may vary materially from stated information. In providing this material, Assurant Specialty Property and/or affiliates and subsidiaries assume no liability beyond that provided under the terms, limits and conditions of the insurance policies it has issued. This program may not be available in every state.

DOWNLOAD APPLICATIONS
   
  Farmowners:
PDF or Word (interactive)
 
  Equine Supplemental:
PDF or Word (interactive)
   
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