R.E.O.'s Ranch & Estate program utilizes forms developed in conjunction with the American Association of Insurance Services (AAIS) and insures the usual and unique property exposures of most horse farm owners, whether their operations are primarily personal, commercial, or both. It provides insurance coverages for dwellings and related coverages, farm buildings including barns, arenas, and farm personal property including tack and related equipment. 

The program allows an applicant to choose coverage forms, deductibles, and loss settlement options, for most eligible classes of property.