Farm & Property Insurance...


Understanding your dream and helping you protect it

 

IS YOUR CURRENT PROPERTY INSURANCE ADEQUATE?

 

If you have a Homeowner's policy providing insurance on your residence…...

 

1. Are you barns, farm structures and other outbuildings insured for replacement cost?
2. Is the insured limit of your barns, farm structures and other outbuildings adequate?
3. Do you have insurance on your farm equipment such as tractors?
4. Do you have insurance on your tack and horse equipment?
5. Does the liability insurance extend to bodily injury or property damage caused by your horse both on and off of your premises ?
6. Does the liability insurance extend if you are operating as a business?

 

These are just a few of the questions you should ask your current insurance agent to make certain your farm property is adequately insured. Read More>>

 

Farm & Ranch Owners Insurance:

A horse farm is a unique property requiring an insurance policy specifically designed to provide coverage for all of the buildings on the property as well as the liability protection for your horse ownership or equine operation.  Our farm and ranch owner's policy is a customized policy developed to fill in the gaps of the traditional homeowner's policy.  A homeowner's insurance policy may not cover many of the exposures inherent in the horse industry including farm property, farm equipment and horse liability.

Our Farm & Ranch Owner's Policy Offers

Basic, Broad, Special or even in many instances an Elite program.

Replacement Cost coverage on your residence.

Replacement Cost coverage on your personal property.

Care, Custody & Control Liability

Replacement Cost coverage on your stables and barns.

Can include other dwellings on the property.

Farm property such as your tractor and other equipment can be insured. Tack coverage is available.
Personal Property such as jewelry, furs, fine arts can be scheduled. Loss of use of your residence from a covered loss.

Loss of use of your barns or stables can be included.  (Extra Expenses Incurred)

Personal & Equine Liability Protection - various limits available. Select a deductible to suit your needs.

We will work to design the insurance policy to suit your needs.  Select the coverage you want.  Have one all-inclusive policy with one policy renewal date.  

Know your insurance policy provides adequate coverage for your farm and especially the liability insurance for your equine operation as usually a normal homeowner's policy will only provide personal liability and will not offer liability protection for your horse ownership, boarding operation, riding instructions, or training of horses.

 

Estate Insurance:

If you own race horses or have any commercial exposure in regard to racehorses, i.e., training, sales, or boarding:

Download:

Race Horse Homeowner, Ranch & Estate Program

Equestrian Homeowner, Ranch and Estate Program

 

The only call you need to make for all of your equine Insurance needs

3044 Breckenridge

Lane Suite LL1

Louisville, KY  40220-2193
Phone:  (502) 493-9911 Fax:  (502) 493-0070

Beverly A. Smith-Embry Email:   basmith@insurehorses.com

Tamara W. Embry Email:   tamara@insurehorses.com


We will be happy to answer your questions either by phone or by email.  Our normal office hours are 9:00 A.M. to 6:00 P.M. (EST) Monday - Friday

          

                      

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