By and large, farming is a family endeavor, rich in tradition. But the way you operate your business can change considerably from one generation to the next. We understand that your home and business concerns are often one and the same. Special Farm Package 10® (SFP 10® ) combines personal, farm, business, and property and liability coverage all under one policy to simplify your insurance protection. You get the convenience of having multiple coverages under one simple policy.
Depending on the coverages desired, you can customize your policy by choosing among five divisions and a variety of options within those divisions. SFP 10® combines similar perils (causes of loss such as windstorm, fire, theft, etc) into groups to achieve the combination of coverages that are right for you.
DIVISION I: Residences and Household Contents
Covers: Dwellings; Mobile homes; Household contents; Loss of use; Debris removal; Trees, shrubs, plants, lawns; Refrigerated products; Outdoor radio, satellite and TV equipment; Motorized vehicles; Computer hardware and software; Credit card theft; Increased cost of ordinance or law; Fences; Fire department service; and more.
Options Available: Replacement cost on residence and contents; Inflation guard; Builders risk; Excess business property contents; Earthquake; Water damage - backup of sewers, drains and sumps; and more.
DIVISION II: Buildings and Building Contents
Covers: Barns; Silos; Sheds; Potato houses; Poultry houses; Greenhouses; Poultry; Controlled atmosphere storage; Permanent equipment in buildings; Refrigerated products and more.
Options Available: Replacement cost on buildings and contents; Consequential loss; Tenant improvements and betterments; Operations records; Extra expense; Builders risk; Suffocation or smothering of poultry; Growing crops in greenhouses; Increased loss of refrigerated products; Ordinance or law; Farming income loss; Dairy income loss; Equipment breakdown; and more.
DIVISION III: Farm Personal Property
Covers: Livestock; Farm machinery; Farm products, supplies and tools; Borrowed farm machinery; Limited pollutant clean-up and removal; Property in the custody of common or contract carrier; and more.
Options Available: Farm machinery used for hire; Rental reimbursement; Property Average Coverage; Excess property away from premises; Special silo unloader coverage; Borrowed or rented farm machinery; Periodic increase in limits; Suffocation of livestock; and more.
DIVISION IV: Scheduled Personal Property
Covers: All-risk coverage for valuables that you choose to insure.
Options Available: Jewelry; Furs; Coins; Stamps; Fine arts; Silverware; Musical instruments; Cameras; Golf equipment; Bicycles; Signs; Guns; All-terrain vehicles; Watercraft; Snowmobiles; and more.
Tailor Your Policy
Talk to your local American National Agent to find out more about Peril Group Options. Tailor a policy that's right for you!
DIVISION V: Liability
Covers: Medical expenses; First aid; Cost of defense; Bodily injury and property damage liability; Farm chemical transportation coverage; Fire legal liability; and more.
Options Available: Harvest-your-own; Personal injury; Limited custom farming; Farm employee coverage; Livestock boarding; Named insured medical expenses; Watercraft; Care, custody and control of livestock; Home day care coverage; Employment practices liability; Employee benefits liability; and more.
