Welcome! Today is

Protect your most important asset....



Country Estate Insurance (Part-Time Farmer)

Coverage for the hobby farmer.

Whether you have a modest fruit and vegetable stand, a small pick-your-own Christmas tree operation, or a few horses out to pasture... if you have a farm, no matter how small, you have risks.

As an offshoot of American National Property and Casualty Company's (ANPAC®) Special Farm Package 10, the Country Estate program was designed for people who enjoy farming on the side, but make the majority of their income elsewhere. Country Estate goes beyond traditional farm coverage, providing a flexible farm package that's tailored to the needs of hobby farmers like yourself.

Who can qualify for Country Estate?

Generally, if you have less than $13,000 of farming income, and have 10 or less large animals (except horses which are limited to 5 maximum) or 40 or less small animals, you could qualify for Country Estate.


At ANPAC, we understand that a standard one-size-fits-all policy simply doesn't fit everyone. Your operation is unique, and your insurance coverage should address this fact.

Depending on the coverages desired, you may customize your policy by choosing among five divisions and a variety of options within those divisions.

Similar perils (causes of loss, such as wind, fire, theft, etc.) are combined into groups, to achieve the combination of coverages that are right for you.

The five divisions include:

  • Residences and Household Contents
  • Buildings and Building Contents
  • Farm Personal Property
  • Scheduled Personal Property
  • Liability


Unlike the homeowners policy you may be using now to cover your farming exposures, Country Estate allows you to customize your policy more precisely to match you individual needs.

Is Country Estate right for me?

Protection tailored just for you helps ensure you're getting exactly what you need and that you're not paying for extra coverages you don't want.

Don't take the fun out of your hobby by not preparing yourself for the unexpected.

Talk to your local American National agent for details on how the Country Estate program could be adapted to meet your personal needs.


Competitive Business Insurance available through
Osby Insurance ...Your Agency for Life!
Call for details!
515-727-LIFE (5433)


American National Insurance Company

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site 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.

Life insurance and annuities are issued through American National Insurance Company, Galveston, TX. Personal and commercial lines insurance is issued by American National Property And Casualty Company, Springfield, MO, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (Texas), and ANPAC Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois or Principal Life Insurance Company, Des Moines, IA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.


Osby Insurance operates exclusively in the State of Iowa


Copyright © 2014 Osby Insurance and Some Assembly Required.
All rights reserved.

Greg Osby

Greg Osby, CLU, ChFC
2400 86th St. Suite 29
Des Moines, IA 50322
(515) 727-5433 - ph
(515) 727-5199 - fax

Serving the Greater Des Moines area in Iowa including:

Des Moines, Urbandale, Clive, Windsor Heights, West Des Moines, Ankeny, Norwalk, Waukee, Granger & Johnston, Iowa

With ANPAC Five Star Claim ServiceSM you can be sure that your premium dollars will buy the protection you need and the prompt, courteous service that you deserve.

Choose American National for your auto, home, and life insurance needs, and receive up to a 15% TLC Discount on qualifying auto and home premiums.