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Program Highlights for Ranch Insurance: Colonial General Insurance Agency, Inc. offers a specialized Ranch Insurance program tailored for small to mid-sized farming operations. Whether your insured owns and operates their ranch or leases it to a third party, this program is designed to meet a wide range of property and liability needs with flexible coverage options. Ideal Accounts and Appetite This program is ideal for agents looking to place risks for: Owner-occupied or seasonal/secondary farm and ranch dwellings Tenant-occupied properties with farm/ranch elements Hobby farms or part-time farming operations Clients who lease out land or facilities to third parties Accounts with barns, outbuildings, livestock fencing, equipment, and machinery are all eligible for tailored scheduling of property and personal property coverage. This program is best suited for operations that fall into the small-to-medium farm category, rather than large-scale commercial agriculture. Coverage Highlights and Advantages Coverage is offered on a Basic or Broad form basis, and includes: Comprehensive Personal Liability – Protects the insured against third-party bodily injury and property damage claims. Farm & Ranch Property Coverage – Insures barns, outbuildings, fences, and other structures. Farm & Ranch Personal Property – Covers tools, equipment, tractors, and other machinery. Dwelling and Contents – Offered on a Replacement Cost or Actual Cash Value basis. Flexible Policy Structures Owner Occupied / Seasonal or Secondary – Dwelling and Liability package, with options to schedule Farm & Ranch Property and Personal Property. Tenant Occupied – Dwelling and Loss of Use coverage, with optional scheduled property coverage. Tenant Package – Includes Contents, Loss of Use, and Liability, with options to schedule Personal Property. This flexibility allows agents to tailor policies to fit a variety of client circumstances, from absentee landowners to full-time ranch operators. Underwriting Notes Colonial General works with a variety of carriers to provide competitive solutions, with some admitted markets available depending on the risk and state. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers access to specialty markets that many standard carriers may not accommodate. Underwriting focuses on clean operations with manageable exposures. Risks with significant commercial activity or heavy industrial farming may not be an ideal fit. Territories and Availability This Ranch Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? Colonial General Insurance Agency, Inc. brings decades of niche underwriting experience and market access to support independent agents placing hard-to-place or specialty ranch risks. Their flexible program design and regional expertise make them a strong partner for agents working with rural clients or agricultural properties that don't fit within standard homeowners or commercial policies. You can count on responsive service, customizable options, and a team that understands the unique exposures of farm and ranch operations in the Western U.S. Frequently Asked Questions What types of accounts are a good fit for this Ranch Insurance program?The program is ideal for small to mid-sized owner-occupied, tenant-occupied, or seasonal ranch or farm properties. It’s suitable for clients who operate their own ranch or lease their land to others. Can I schedule specific farm property like barns and machinery?Yes, the program allows you to schedule Farm & Ranch Property and Farm & Ranch Personal Property such as barns, fences, machinery, and tools. Is this program available in admitted markets?Some admitted markets are available depending on the risk and state. Colonial General also utilizes excess and surplus lines markets for more specialized accounts. Which states is this program available in?The Ranch Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What makes Colonial General a good partner for ranch coverage?Colonial General offers flexibility, niche expertise, and access to multiple markets, making it easier for agents to place rural property risks that don't fit standard programs. Need help placing an account? Connect with a market specialist.

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Comprehensive Personal Lines Solutions from Van Wagoner Companies, Inc. Van Wagoner Companies, Inc. gives brokers and independent agents access to a broad, flexible Personal Lines program built for residential and personal risks that often sit outside standard market appetite. As an experienced Managing General Agency with strong carrier relationships—including Lloyds and Markel International—we place admitted and surplus lines business for hard-to-place, non-standard, and unique exposures across multiple states. Ideal Accounts and Appetite This program is designed for agents who need reliable markets for a wide range of personal property and liability risks. Typical accounts we write include: Single-family homes, including high-value and historic dwellings Rental properties and portfolios of rental dwellings Seasonal, vacant, or unoccupied homes awaiting sale or renovation Condominiums and apartment units Foreign-owned or owner-located-outside-the-U.S. homes Properties in flood- or wildfire-prone areas Personal articles and collections (fur, jewelry, fine arts) Farm and ranch properties with both residential and agricultural exposures Example: You might have a client with multiple rental dwellings in different states or a vacation home in a wildfire zone—Van Wagoner Companies can help you find the right admitted or surplus solution to place the account. Coverage Highlights and Advantages Through both standard and specialty markets, this program offers a full spectrum of coverages tailored to complex personal risks: Homeowners & Dwelling Options Homeowners forms A, B, C, 1–6, 8 Dwelling Fire (TP 1, 2, 3) Condominium unit-owner and apartment coverages Rental and vacant dwelling programs Flood insurance placement Coverage for foreign-owned homes Personal articles coverage for valuables, collections, and scheduled items Farm & Ranch Property coverage for residences, barns, and equipment Animal mortality options Farm liability, including premises and operations Because we place both admitted and non-admitted business, Van Wagoner Companies can accommodate unique property characteristics, recent lapses, or other underwriting challenges that limit standard-market availability. Underwriting Notes and Minimum Premiums Underwriting and minimum premiums vary by carrier and state. Our underwriting team offers flexible guidelines and will work with you to identify the most appropriate admitted or surplus market for each account. Provide complete loss history and detailed property information for the quickest response. Territories and Availability This Personal Lines program is currently available in: Arizona, Arkansas, California, Connecticut, Delaware, Idaho, Iowa, Nevada, New Mexico, Oklahoma, Pennsylvania, Texas, Utah, and Wyoming. We continue to expand capabilities—contact us to confirm current availability for a specific risk. Why Work With Van Wagoner Companies, Inc.? Van Wagoner Companies brings decades of MGA experience focused on personal property programs that fall outside traditional underwriting molds. Our carrier access (including Lloyds and Markel International), combined with hands-on underwriting and quick turnarounds, helps you place challenging risks and grow your book. We emphasize personalized service, pragmatic underwriting, and solutions-driven placement. Frequently Asked Questions What types of accounts are a good fit for this Personal Lines program?This program fits owner-occupied homes, rental properties, vacant dwellings, condominiums, foreign-owned homes, and farm or ranch properties with residential exposures. Can you write coverage for vacant or seasonal homes?Yes. We place both vacant and seasonal dwellings, including homes awaiting renovation or sale, using admitted or surplus markets as appropriate. Are high-value homes or collections eligible for coverage?Yes. We can insure high-value homes and provide personal articles scheduling for valuables such as fur, jewelry, and fine arts. Is this program available on an admitted or non-admitted basis?We access both admitted and non-admitted markets to give you the flexibility to place risks that standard carriers may decline. In which states is this Personal Lines program available?Coverage is currently available in AZ, AR, CA, CT, DE, ID, IA, NV, NM, OK, PA, TX, UT, and WY. Need help placing an account? Connect with a market specialist.

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