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

Understanding Insurance for Confinement Buildings

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

Coverage for your confinement buildings and other farm 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 confinement or other buildings for Replacement Cost or Actual Cash Value
• The Causes of Loss (Basic, Broad or Special) you want to insure
• How much deductible you should 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.
• Whether the building valuation is current

AgriChoice^® also provides coverage for collapse of a confinement building or farm structure. The policy language provides the conditions and causes of loss for which a collapse would be covered.

If you construct a new confinement or other farm building during the policy term, consult your agent to be sure you have it properly insured. AgriChoice provides $100,000 in coverage for new construction for 60 days beginning from the delivery of building materials.

AgriChoice also automatically provides coverage for equipment breakdown or mechanical failure of fixtures or systems built into confinement buildings and other farm structures. A confinement building with tunnel ventilation or a built-in feeding system would have coverage for mechanical breakdown of those systems. It’s important to make sure your agent is aware of all the fixtures built into the confinement building and that those are included in the values assigned. Generally, the animals themselves are not insured through the farm policy.

Learn more about insuring livestock and poultry.