Farm Structure, Barn & Outbuilding Insurance
Farm & Ranch Optional Coverage
- Helps to restore damage caused to buildings from fires, windstorms and other perils
- Get additional outbuilding coverages to help protect you in even more ways
- Build custom outbuilding insurance coverage to fit your budget
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What is Farm Outbuilding Insurance?
This coverage can be added to your farm policy. It provides protection against damage to barns, stables and other buildings and structures on your property. This includes barns and horse stables.
When Farm Structure Coverage Helps
Your outbuilding coverage protects you similarly to how your home is protected. Here are some ways farm building insurance can cover damage.
Did you know?
Our loss control resource center offers tips on reducing risks. Learn farm safety practices to protect yourself, reduce risks and protect your legacy.
Fires
A fire on your property burns down your barn. Farm structure coverage protects your property from damage caused by a fire. Get reimbursed for rebuilding, replacing damaged items and covering related costs like debris removal.
Hail, Lightning, and Windstorms
A windstorm damages your stables. Farm structure insurance can help if extreme weather damages your property. It can cover repairs or replacements for damaged buildings, crops, or livestock caused by hail, lightning, or windstorms.
Theft, Riots, and Vandalism
Farm structure coverage provides financial security in case theft or damage occurs as a result of civil unrest. If a structure is damaged or destroyed, it will be repaired or replaced. Civil unrest and lost or stolen property are covered.
Earthquakes
An earthquake has damaged your farm buildings. You can customize farm structure coverage to pay for earthquake damage to buildings and structures. It can also cover any equipment or machinery that is damaged, as well as any crops destroyed or lost in an earthquake.
Ice, Snow, or Sleet
A snowstorm collapses your shed. Additional coverage for weight of ice, snow, and sleet is available. It can help pay for damages from the weight of snow, ice, or sleet on buildings, fences, and other farm structures. Repairs or replacements can also be covered.
Compliance with Building Codes and Local Safety Regulations
A part of your grain bin was damaged in a storm. Local law requires you to demolish the undamaged part. This optional coverage applies to costs incurred as a result of repairs required by ordinances and laws. Also, building permits, surveys, and architectural or engineering fees may be covered.
Frequently Asked Questions
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The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.
*Discount and savings amounts and product eligibility will vary by state, property type, policy form and company underwriting the auto and/or homeowners policy. Discounts may not apply to all coverages on an auto or property policy. Discounts do not apply to a life policy. Some restrictions may apply.