Posted 2015-07-07 3:34 PM Subject: Insurance for Barn/House
Elite Veteran
Posts: 602 Location: out in Oklahoma
I am getting plans and ideas together to build a barn/house combination. I have found a plan that I really like BUT apparently the problem is that it will be a barn and a house connected as one with no separation of buildings. Talked to a lady at an independent insurance office today who said that it would be outrageously expensive (like doubled) if I were to build a barn and a house connected and not separated at all. Does anyone have any input or can anyone provide me a direction to go because I am ready to get this show on the road but don't want to be paying out the wazoo for insurance.
Posted 2015-07-07 4:40 PM Subject: RE: Insurance for Barn/House
Elite Veteran
Posts: 725
It is true that not every company that writes home insurance will want to write a barn/home combination but we have alot of them insured and its no big deal. I would certainly not let that bother me if that is what you are wanting to build.
Posted 2015-07-07 6:13 PM Subject: RE: Insurance for Barn/House
Elite Veteran
Posts: 602 Location: out in Oklahoma
Ok, along with this question, I have another as well. What about loans in the future if I decide to sell? How hard or impossible is it to sell in the future?
Posted 2015-07-08 8:06 AM Subject: RE: Insurance for Barn/House
Veteran
Posts: 232 Location: Winging It in KY
gypsy1997 - 2015-07-07 4:58 PM Ours is insured through Farm Bureau in Arkansas with no issues. We just can't store hay in it.
Ours is insured through Kentucky Farm Bureau. I have a house / garage / barn / arena in mine. They never told us that we could not keep hay in our barn. Never had any issues.
Posted 2015-07-08 8:50 AM Subject: RE: Insurance for Barn/House
Veteran
Posts: 221 Location: Alabama
I have one in Alabama and I am insured through State Farm. I also keep my hay in the barn with no issues. I will say that my insurance has doubled since I originally got it 8 years ago. I don't know if it has anything to do with the house/barn combo or just State Farm raising rates.