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Exclusive coverage
for the farming community.
The Flexibility You Want,
the Coverages You Need.
At American National Property And Casualty Company (ANPAC®),
we understand that a standard one-size-fits-all
policy simply doesn't fit everyone. Your business
is unique, and your insurance coverage should
address this fact.
 ANPAC's
SFP 10® goes
beyond traditional farm coverage, providing a
flexible farm package. It allows you to customize
your policy more precisely, to match your individual
needs.
Depending on the coverages desired,
you may 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.
Tailored protection helps ensure
you're getting exactly what you want - and that
you're not paying extra for coverage you don't
want.
Peril Group 1
Fire, Lightning
Peril Group 2
Windstorm, Hail, Riot, Explosion, Aircraft, Vehicles,
Smoke (Includes coverages of Peril Group 1)
Peril Group 3
Vandalism and Malicious Mischief (Includes coverages
of Peril Groups 1 & 2)
Peril Group 4
Theft, Collision, Glass Breakage, Upset or Overturn
of a Vehicle (Includes coverages of Peril Groups
1 - 3)
Peril Group 5
Weight of Ice, Snow or Sleet, Collapse, Freezing
of Plumbing, Falling Objects (Includes coverages
of Peril Goups 1 - 4)
Peril Group 6
Residences and Buildings - All risks of direct
physical loss or damage (subject to exclusions)
Peril Group 7
Household and Building Contents - All risks of
direct physical loss or damage (subject to exclusions)
Peril Group 8
Scheduled Personal Property - All risks of direct
physical loss or damage (subject to exclusions)
Peril Group 9
Livestock - Electrocution, Accidental Shooting,
Drowing and Miring, Attack by Dogs or Wild Animals,
Earthquake, Flood, Accidental Dispersal of Toxic
Substances, Loading and Unloading (Includes most
coverages of Peril Groups 1 - 5)
Peril Group 10
Farm Machinery - All risks of direct physical
loss or damage (subject to exclusions)
We Understand Your Needs.
Convenience.
We understand that your home and business
concerns are often one and the same. Special
Farm Package 10®
(SFP 10®)
combines personal, farm, business 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
Versatility.
We understand that farming operations of varying
size and scope, from the largest nurseries to
the smallest wineries, have very different needs.
We serve the more common types of farming (dairy,
horse, beef,poultry produce), along with the more
unusual (llamas, ostriches, aquaculture operation).
Experience.
We understand the farming community. SFP 10®
was designed specifically to serve the needs of
agribusinesses. Our knowledge of agriculture allows
us to recommend coverages for farms of all types
and sizes.
Division 1
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 2
Buildings and Building Contents
Covers:
Barns; Silos; Sheds; Potato houses; Poultry houses;
Greenhouses; Poultry; Controlled atmosphere storage;
Permanent equipment in building; 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 to refrigerated products; Ordinance
or law; Farming income loss; Dairy income loss;
equipment breakdown; and more.
Division 3
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 4
Scheduled Personal Property
Covers:
All-risk coverage for valuables that you choose
to insure.
*subject to exclusions.
Options Available:
Jewelry; Furs; Coins; Stamps; Fine arts; Silverware;
Musical instruments; Cameras; Golf equipment;
Bicycles; Signs; Guns; All-terrain vehicles; Watercraft;
Snowmobiles.
Division 5
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; and more.
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