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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. |
| 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. |
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| 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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| The
program also offers options that enhance the principal coverages: |
| The
Elite Form available for owner-occupied dwellings insured
for $150,000 or more, this form provides special perils coverage
on the residence and household property. Some of the enhancements
of this form include replacement value loss settlement on household
property, additional living costs at actual loss sustained,
increased special limits for certain classes of personal property,
and care, custody, or control at limits of $5,000/$25,000 (increased
limits available for an additional premium). |
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| Extra
Expense Coverage for Farm Barns, Buildings, and Structures
reimbursement for increased costs to continue your equestrian
operation if an insured building is made unfit for use because
of an insured peril. |
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| Scheduled
Personal Property Coverage for jewelry, fine arts,
and other eligible types of property, with values greater than
the special limits provided under Coverage C. |
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| Tack
and related equipment is covered at 100% of the coverage limit while
the property is away from the primary farm location. |
| 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. |
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| Property
policies are available in all U.S. states except Alaska, Hawaii, California,
Florida, Louisiana, and Texas. |
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