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Country Estate Insurance

Country Estate

Designed for someone like you – a small-scale farmer who owns acreage used for pleasure or profit, but whose primary income is from another occupation.

You have a passion for your land, it’s more than just a hobby – it’s a lifestyle.  American National makes it easy for you to protect that lifestyle.  Whether you have a small roadside fruit or vegetable stand, sell your wares at local farmers markets, grow your own food or board a few horses, you are at risk for property or liability losses that a typical homeowners policy doesn’t cover.

Country Estate offers built-in property and liability coverages for both farm and residence. If you own horses, Country Estate Equine offers additional coverage for certain horse-related activities. Both Country Estate and Country Estate Equine are offered with two levels of coverage -- Select and Premier.

Protection you can count on

American National’s Country Estate Insurance includes the following coverages, up to specific limits.

Country Estate includes the following coverages:

  • Expanded replacement cost option for residence
  • Replacement cost for household contents, plus identity theft protection
  • Coverage for related structures such as barns, outbuildings or detached garages based on the residence coverage limit
  • Built-in mechanical equipment failures and utility service line failures coverage
  • Farm and personal liability
  • Coverage for farm machinery, livestock and farm products, supplies and tools
  • Coverage for losses from events such as windstorms, hail, fire or theft

Country Estate Equine includes all the above coverages, plus liability coverage for:

  • Horses in your care, custody and control whether for training, showing or boarding
  • Horse-related activities and participants at shows, exhibitions and events, and
  • Coverage for tack belonging to others

Your choice: Select or Premier

To help insure your specific needs, we have two levels of coverage to choose from -- Select and Premier. Our Premier policy offers property owners higher limits where additional coverage may be desired.

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