As admitted insurance markets continue to narrow appetite for rural property, hobby farm, and equine-adjacent risks, Origin Specialty Underwriters Agency, LLC (“Origin Specialty”) today announced the launch of Country Estate E&S, a non-admitted farmowners program underwritten by certain underwriters at Lloyd’s and designed for hard-to-place country properties and eligible pleasure horse exposures.

“Many rural estate, hobby farm, and pleasure horse accounts simply do not fit the narrow boxes of standard markets. Country Estate E&S gives brokers a practical path to keep those accounts moving.” — Charlie Acosta, President, Origin Specialty

Launching during Derby season, Country Estate E&S responds to a growing need among retail brokers serving high-value rural residences, estate farms, family farms and ranches, hobby farms, and private equine clients whose properties may include acreage, barns, outbuildings, older homes, unique construction, limited boarding, or other exposures that fall outside standard homeowners or farmowners guidelines.

“Many rural estate, hobby farm, and pleasure horse accounts are not inherently uninsurable — they simply do not fit the narrow boxes of standard markets,” said Charlie Acosta, President of Origin Specialty Underwriters. “Building on the momentum of Origin’s recent Hotel program launch and the new Construction Professional Liability (CPL) program from our Beyond Risk partner, Country Estate E&S is the next step in giving brokers a faster, more thoughtful E&S option. Our underwriting team is uniquely positioned to evaluate complex property conditions, occupancy complexities, and equine exposures on their individual merits. Our goal is to keep these accounts moving while supporting the new programs, entrepreneurs, and future growers of the agricultural world.”

Standard markets may reject entire accounts over a single complex risk factor. Origin Specialty takes a surgical approach. By utilizing targeted exclusions, limitations, or specialized underwriting requirements, the program isolates specific concerns—such as rural protection class or CAT exposure—while preserving a path to quote the broader account.

The program combines farmowners property and liability into one placement, with coverage options for dwellings, other private structures, household personal property, additional living expenses, scheduled and unscheduled farm personal property, barns, farm buildings, farm liability, and equine liability for acceptable pleasure horse exposures.

Program Highlights

Country Estate E&S offers brokers:

– E&S capacity underwritten by certain underwriters at Lloyd’s
– Up to $10 million total insured value
– $5,000 minimum premium
– $5,000 minimum deductible
– Agency bill availability
– 24–48 hour quote turnaround from a complete submission
– Appetite for high-value rural dwellings, hobby farms, family farms and ranches, estate farms, eligible pleasure horse exposures, older or unique structures, barns, outbuildings, and rural protection challenges
– Flexible underwriting for qualifying accounts with property condition, occupancy, CAT, or loss-history complexity

Submission Guidelines & Eligibility

– Effective Date: Brokers may now submit eligible Country Estate E&S accounts for policy effective dates on or after June 1, 2026.
– State Availability: The program is available nationwide, excluding Illinois, Louisiana, and California. Coverage is non-admitted and not protected by state guaranty funds. All submissions are subject to underwriting review.
– Submission Requirements: To help expedite review, complete submissions should include an ACORD Agriculture application, five years of loss runs, a diagram showing distances between all structures, and photos showing all four sides of each structure. Equine, older home, and wood stove supplements may be required where applicable.

Brokers interested in learning more about Country Estate E&S or discussing an eligible submission may contact Tammy Hooker, Underwriting Manager at (877) 552-2467 or submissions@origin-specialty.com. Additional program information is available at https://origin-specialty.com/country-estate-eands-farmowners-insurance/.