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Agripak Farm and Ranch Policy

The Agripak Farm and Ranch Policy offers one of the industry's broadest and most comprehensive products available to the modern day horse farm owner at a competitive 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. Following are some of the Agripak highlights.

  • Eligibility - Individuals, partnerships, corporations, limited liability corporation (LLC), owner or tenant operator.
  • Format - Multi-line policy able to include dwelling, personal property, farm property, farm personal property, liability, auto, care, custody or control, watercraft and umbrella in one policy.
  • Deductibles - $500 to $25,000
  • Fire Department Service - No limit, no deductible
  • Debris Removal - 25% of paid loss
  • Pollution Clean-up - $15,000 if covered cause of loss

Coverage A - Dwelling

  • Replacement Cost included when insured to 80% or more of replacement cost value. To 125% of limit available for charge, subject to underwriting requirements.
  • Inflation Guard included at 5%
  • Satellite Dish/Antenna included at $250 excess of deductible

Coverage B - Appurtenant Private Structures

  • Limit 10% of dwelling limit for detached garages, swimming pools, etc. Higher limits available for charge.

Coverage C - Household Personal Property

  • Limit 50% of dwelling limit. Higher limits available.
  • Property off premises - larger of 10% or $3,000 worldwide
  • Special Limits - $2,500 for unlicensed trailers, watercraft, gravemarkers, $2,500 theft of jewelry or furs, $3,000 theft of guns, $500 money, gold, platinum, silver, $2,500 business property on premises, 10% off premises, No limit on goldware, silverware
  • 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 - $2,000 for theft
Coverage D - Loss of Use - Rental Value
  • Limit 20% of dwelling limit
Coverage E&F - Farm Personal Property
  • Borrowed Farm Machinery - $50,000 for up to 30 days
  • Personal Property of Others - $2,500
  • 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 $3,000 per animal available
  • Peak Season - Available for seasonal fluctuations
Coverage G - Other Farm Structures
  • Replacement Cost applies when insured to 80% of Replacement Cost. If not insured to 80%, Actual Cash Value applies.
  • New Construction - Automatic $125,000 coverage for 60 days
  • Loss of Income available for covered perils.
  • Blanket Coverage available for farm buildings other than dwellings.
This website provides a basic summary of the insurance products offered by Barnes Equine Insurance Agency.
It is not a statement of contract and coverage may not apply in all areas.
For a complete description of coverage, please read the insurance policy, including all endorsements.

Copyright © 2010 Barnes Equine Insurance Agency, Inc.