info for insuring barns only

countrygurl · #1 06/28/10, 09:34 PM

last february we lost a breeder barn *quail to 6 inches of wet snow. our home owners would not cover it because they consider it business since we have a quail farm. state farm will not add it to our homeowners since it is used for a business. called farm bureau and they where way higher in cost just for home owners not including adding the quail barns. can anyone recommend where i can look to cover only the barns & pens without having to change my home owners been with state farm for 26 years. i am not looking for liabilty just to cover the lost of the barns due to fire or natural loss, snow wind hurricance ect...

Micheal · #2 06/29/10, 05:36 AM

Sorry no "current" info here, but when I was raising beefers a few years back, I had a farm rider on my homeowners policy via All State. It not only covered the barns and equipment, but also liablity for animal damage. If memory serves me the rider ran about an additional $250 a year, but like I said this was 10-12 years ago.
Currently my barns (listed as out-buildings) are covered under my current homeowners policy with All State.

Alice In TX/MO · #3 06/29/10, 09:26 AM

Liability is for someone being injured on your place.

Coverage for loss is a different product.

countrygurl · #4 06/29/10, 09:46 AM

state farm wont cover the barns becuase it is used as business, not personal stuff.

rambler · #5 06/29/10, 10:27 AM

There are 'mutual' insurance companies out there that are not dedicated to one insurance company, but shop around what you have to the best big company(s) that fit your needs. Probably would be your best bet.

They often can put together a package that fits your needs.

Many insurance companies are slightly different, or independent of each other from one state to the next. This gets them through individual state laws. FB for example is different from one state to the next, run differently. So it will be difficult for someone from Minesota to reccomend a company to you in Mississippi....

Business insurance is typically more expensive than personal insurance. Welcome to the world....

--->Paul

Common Tator · #6 06/29/10, 01:43 PM

You should have a farm/ranch policy. This would cover your home and contents like a homeowners policy, plus your barn and the birds and liability.

Contact your state's farm bureau federated. They usually offer the coverage.

Joshie · #7 06/29/10, 01:52 PM

If the previous posters' help doesn't work speak with a farmer neighbor or someone else with a similar business.