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AEIG's Ranch & Estate program utilizes forms developed in conjunction with the American Association of Insurance Services (AAIS) and insures the usual and unique property exposures of most horse farm owners, whether their operations are primarily personal, commercial, or both. It provides insurance coverages for dwellings and related coverages, farm buildings including barns, arenas, and farm personal property including tack and related equipment.
The program allows an applicant to choose coverage forms, deductibles, and loss settlement options, for most eligible classes of property.
The Ranch & Estate coverage can be combined with the Equine Commercial General Liability coverage and Care, Custody and Control coverage, plus other coverage options. Comprehensive Personal Liability, at limits equal to the each occurrence limit, can be written if the principal residence is owner occupied.
Property policies are available in all U.S states except Alaska, Florida, Hawaii, Louisiana and Washington.
In addition to providing coverage for the structure and household property, the following related coverages are provided for a dwelling insured under Coverage A:
Related Private Structures at 10% of the Residence limit.
Additional coverage that applies to structures used in conjunction with the residence.
Additional Living Costs at 20% of the Residence Limit.
Additional coverage for increased costs to maintain a normal standard of living if the residence is made unfit for use because of an insured peril.
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