• Farm House
• Farm Land
• Barns
• Stables
• Pens and Sheds
• Confinement Buildings
• Other Buildings

Understanding Barn Insurance

An important part of your farm or ranch insurance policy is the protection it provides for damage to buildings and structures like your barns. Your farm or ranch buildings and structures must be listed on your policy to be covered.

Coverage for your barns and other farm or ranch structures includes:

• Water pumps and equipment including motors and outdoor equipment that pertain to and are used in the service of the building, as well as;
• Furniture, fixtures, machinery and equipment that pertains to the operation of the building while located on or in the building or within 100 feet of the building.

Also talk to your agent about:

• Insuring your barns or other buildings for Replacement Cost or Actual Cash Value.
• The Causes of Loss (Basic, Broad or Special) you want to insure for.
• How much deductible should you carry? Higher deductibles may lower premiums. Depending on how much of a loss you are willing to pay yourself, you may be able to save on your insurance.
• Is the building valuation current?

Our AgriChoice^® policy also provides coverage for collapse to a barn structure under certain conditions. The policy language provides the conditions and causes of loss for which a collapse would be covered.

If you construct a new barn building during the policy term, you will want to consult your agent to be sure you have the new building properly insured. AgriChoice provides $100,000 in coverage for new construction for a period of 60 days beginning at the delivery of building materials.

The AgriChoice policy automatically provides coverage for equipment breakdown or mechanical failure of fixtures or systems built into barns or other farm or ranch structures. For example, a dairy barn with a milking parlor would have coverage for mechanical breakdown of the milking parlor, bulk tanks, and other equipment attached to the building. It’s important your agent knows all of the fixtures built into your buildings and that those fixtures are included in the values assigned.