a farm with a few buildings

Farm Structure and Outbuilding Insurance

Farm Structure, Barn & Stable Insurance

Your farm or ranch is more than just a business — it’s your way of life. And having the proper protection in place is key to protecting everything you work so hard for. You protect your crops, animals and your home with the right coverages, but do you have the right insurance in place for all the buildings on your property? Let’s take a look at how outbuilding insurance ensures your farm structures are protected from the unexpected.

What Is Farm Outbuilding Insurance?

Your farm policy can be customized to include farm outbuilding coverage that provides protection against damage to the buildings and structures on your farm or ranch, including barns and horse stables. This is separate from your dwelling coverage on your policy, which includes coverage for your home. In order for your outbuildings to be covered, they’ll need to be listed on your farm and ranch insurance policy.

What Does a Farm Structure Insurance Policy Cover?*

Your farm or ranch wouldn’t be successful without all the pieces that help it run smoothly — and that includes the structures on your property. That’s why making sure you have the proper insurance is so important. So what buildings are covered by American Family’s outbuilding insurance?

Common structures include:

  • Barns
  • Sheds
  • Stables
  • Cold storage structures
  • Potato storage sheds
  • Water pumps, motors and other outdoor equipment used for the operation of the building

Farm Outbuilding Insurance Coverage*

Your outbuilding coverage protects you similarly to how your home is protected. When you have farm building insurance, you’ll be covered for damages from the following:

  • Fire
  • Lightning
  • Windstorm
  • Hail
  • Smoke
  • Theft 
  • Vandalism
  • Explosion
  • Riot or civil commotion
  • Aircraft
  • Sinkhole collapse
  • Volcanic action 

For extra peace of mind, we offer additional farm outbuilding coverages that can protect you in even more ways. Our additional coverages can help pay for damages from:

  • Weight of ice, snow or sleet
  • Special form coverage — provides coverage for additional causes of loss
  • Cosmetic damage buyback — covers cosmetic damage caused by hail; actual hail damage that penetrates the surface is covered without this additional coverage
  • Automatic adjustments of limits — inflation protection coverage
  • Ordinance or law for farm barns, buildings and structures
  • Earthquakes

Outbuilding, Barn and Stable Insurance Cost

The cost of outbuilding coverage is different for every farmer or rancher, since it depends on a number of things unique to your own property:

  • The amount of coverage you need
  • The amount of buildings you’ll need covered
  • Current condition of your buildings
  • Our agents will help craft you customized outbuilding insurance coverage that matches the needs of your operation and your budget.

Ready for Your Farm Outbuilding, Barn and Stable Insurance Quote?

Want to learn more about outbuilding coverage for your farm? Your American Family agent is happy to help you find the right coverage for your buildings and structures. Connect with your agent today to start building a policy that works as hard as you do.