Insure Your Stable or Horse Farm

FARM & RANCH / ESTATE / HOBBY FARM PROPERTY & PACKAGE POLICIES

[GENERAL INFORMATION ONLY]  We offer Equine Farm, Ranch, Estate and Hobby Farm Package Policies through several A Rated (by A.M.Best) stock insurance companies.    Available in most states.

A package policy can include property coverage for loss of or damage to:

• Main Dwelling & Household Contents
• Secondary Dwellings & Contents
• Garages
• Stables, Barns, Indoor Arenas, Storage Sheds and Other Outbuildings
• Personal property such as horses and other livestock, machinery, tack, and equipment

A package policy can also include:

• Personal Liability Insurance (non-commercial liability insurance to protect you and your immediate family members)
• Commercial General Liability (commercial liability insurance to insure your lower risk equine and farming operations)

NOTE:  Package policies do not usually insure Special Risks for liability, such as Pony Rides, Horse Drawn Vehicle Rides, Horse Rental and Trail Rides, Guides & Outfitters, and Horse Related Camps. Some insurance companies do not want to insure any horse riding exposure or equine professional and / or therapeutic exposure.   If you have these or other difficult-to-insure exposures we may be able to place your property through one Insurer and your liability insurance through another,  OR  just provide your Commercial Liability Insurance and you can secure property coverage elsewhere. Some exclusions apply to Property and Package Policies.  Coverages and conditions vary somewhat from one company to another. 

TO APPLY:  Call an Ark Agency Representative for details, qualification and evaluation requirements and to choose an Insurer that fits your needs.  We will help you determine which application(s) you should use. Upon request, we will send you a property / farm package application and instructions by e-mail, fax or mail.  The Insurer will require a fully completed application for insurance, photos of your premises and buildings to be insured, and a diagram of your premises. You need to disclose all of the buildings, personal property and liability exposures you want to insure.  You also need to disclose any other activities taking place on the property.  Once approved by the Insurer a quote will be provided to you for a Farm / Ranch Package Insurance Policy or for Property and / or Liability Insurance according to your requirements.