I was told when we insure our barn/house that it would be insured as a barn and personal property.  So if something would happen would I not get money back on house? or is it better to just build house separate from the barn? or by insuring barn and personal property pretty much insuring a house?  I've been very blessed to never have to file claims on a house or property so I'm not sure how it all works.  I'd like to here from people not just ins. company.  Thanks!

Bump

I was told the house barn combo is very hard to insure. No insurance company wants to insure them. House & seprate barn which we have isn't a problem to insure. 

I know several years ago that was true but not sure now.  There are alot of people building this way.  Ive had a couple friends build this way but not claim on Ins. So that why I was asking bout the claiming part.

Several years back we looked into a barn/house/shop combination. After researching, we decided against it and built a stand-alone home at our farm.  We are glad we did.  Insurance easier to obtain; easier to re-sell.  We have a separate barn and a separate shop.  We have been living happily at our farm for five years with no regret regarding building separate buildings. 

"Barndominiums" have become quite popular. Most insurance companies have a policy to cover these type of homes. What state are you located in? Maybe I can help or direct you to someone that can. 

Im in Oklahoma

Bump

I had plans drawn up. Bank approved. We were a couple weeks from signing and starting construction, and bank decided we needed to separate house and barn. Went to a different lender.  They would loan but only for 20 years not 30. We ended up changing lenders, builders, and floor plans that separated the house and barn. I do love my house and barn. I think I would've been happy either way, though.  But if anyone needs plans for a house/barn combo, I have some that cost me $1200 and never got to use... ??

I use Farm Bureau they were the cheapest.  

I think it depends on where you live. I got told that they wouldn’t even give me a loan for a barn house up here

I am in Alabama, and I have a house/barn.  It is insured through State Farm insurance.  It is a homeowners policy and has been insured for a little over 10 years.  

Ours is insured with Farm Bureau as a homeowners policy with extra added for contents (tack).