Designed for the small-scale farmer, rancher or horse owner who needs additional coverages that a typical homeowners policy does not cover.

Whether you have a small roadside fruit or vegetable stand, sell your wares at local farmers markets, grow your own food or board a few horses, you are at risk for property or liability losses that a typical homeowners policy doesn’t cover.

Country Estate offers built-in property and liability coverages for both farm and residence. If you own horses, Country Estate Equine offers additional coverage for certain horse-related activities. Both Country Estate and Country Estate Equine are offered with three levels of coverage – Choice, Select and Premier.

American National’s Country Estate Insurance includes the following coverages, up to specific limits.

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American National is a group of companies writing a broad array of insurance products and services, comprised of American National Insurance Company, headquartered in Galveston, Texas, and its subsidiaries. Life insurance and annuity products may be issued by American National Insurance Company or American National Life Insurance Company of New York, Glenmont, New York. Property and casualty insurance may be underwritten by American National Property And Casualty Company and subsidiaries, Springfield, Missouri, Farm Family Casualty Insurance Company, Glenmont, New York, or United Farm Family Insurance Company, Glenmont, New York. In New York, business is conducted by the above companies with a home office in Glenmont, New York. Products and services referenced in this website are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies. Not all companies are licensed in all states. Terms, conditions and eligibility requirements will apply. Not all products and services are available in all states.

Copyright © 2019 American National Insurance Company, Galveston, Texas. All rights reserved.




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American National Insurance Company (American National), headquartered in Galveston, Texas, was founded in 1905 and is licensed in all states except New York. American National and its subsidiaries offer a broad line of products and services, which include life insurance, annuities, health insurance, credit insurance, pension products, and property and casualty insurance for personal lines, agribusiness and certain commercial exposures. American National companies operate in all 50 states. American National established a dedicated property and casualty division in 1973 with American National Property And Casualty Company, Springfield, MO. This company serves 38 states not including New York. To better serve the unique insurance needs of the agricultural market, American National acquired the Farm Family group of insurance companies based in New York in 2001. For corporate and investor relations information, please visit American National's website at

Country Estate includes the following coverages:

• Expanded replacement cost option for residence

• Replacement cost for household contents, plus identity theft 

• Coverage for related structures such as barns, outbuildings or 
  detached garages based on the residence coverage limit

• Built-in mechanical equipment failures and utility service line 
  failures coverage

• Farm and personal liability

• Coverage for farm machinery, livestock and farm products, 
  supplies and tools

• Coverage for losses from events such as windstorms, 
  hail, fire or theft

Country Estate for Horse Owners includes all the above coverages, plus liability coverage for:

• Horses in your care, custody and control whether for training, 
  showing or boarding

• Horse-related activities and participants at shows, exhibitions and 
  events, and

• Coverage for tack belonging to others

Your choice: Select or Premier

To help insure your specific needs, we have three levels of coverage to choose from – Choice, Select and Premier. Our Premier policy offers property owners higher limits where additional coverage may be desired.