Exclusive coverage for the farming community.
The Flexibility You Want, the Coverages
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.
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
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
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
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
We Understand Your Needs.
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
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
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
Residences and Household Contents
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.
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.
Buildings and Building Contents
Barns; Silos; Sheds; Potato houses; Poultry houses; Greenhouses; Poultry;
Controlled atmosphere storage; Permanent equipment in buildings; Refrigerated
products; and more.
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.
Farm Personal Property
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.
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.
Scheduled Personal Property
All-risk coverage for valuables that you choose to insure.
*subject to exclusions.
Jewelry; Furs; Coins; Stamps; Fine arts; Silverware; Musical instruments;
Cameras; Golf equipment; Bicycles; Signs; Guns; All-terrain vehicles;
Medical expenses; First aid; Cost of defense; Bodily injury and property
damage liability; Farm chemical transportation coverage; Fire legal liability;
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.