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

Understanding Insurance for Other Farm Buildings

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

In addition to barns, stables, pens, confinement buildings and sheds, farm or ranch buildings and structures can also include cold storage structures, rice dryers, nut hullers, packing houses, prune dehydrators, and potato storage sheds – just to name a few.

Coverage for your farm or ranch buildings and other 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
• 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

Our AgriChoice^® policy also provides coverage for collapse to buildings or other structures 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 farm or ranch 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 barns and other structures. A cold storage or potato storage building with built-in controlled atmosphere system would have coverage for mechanical breakdown of that system. It’s important to make sure your agent is aware of all the built-in fixtures in the building and that those fixtures are included in the values assigned.