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  1. #1
    Join Date
    Feb. 7, 2000
    Location
    Northern Virginia
    Posts
    2,988

    Default Private barn owners - how is your barn insured?

    It's that time of year again when I have to look at my insurance policies and decide whether to renew as-is or make some changes.

    My question to you all is how do you have your private barn insured? Assume that it's on the same property as your residence and does not take in boarders / other riders. Have you supplemented your home owner's with an outside equine insurance company or ....? What kind of liability do you have? Anything else?

    Thanks!
    "Whether you think you can or think you can't, you are right." -Henry Ford



  2. #2
    Join Date
    Jun. 4, 2001
    Location
    NW Louisiana
    Posts
    694

    Default

    I have a separate farm policy that covers the barn, equipment, fencing for replacement and of course liability for accidents and horses causing accidents.



  3. #3
    Join Date
    Aug. 17, 2008
    Location
    Southside Va
    Posts
    41

    Default

    We are in South/Central Va and have farm owner ins through Virginia Farm Bureau Insurance. The house, barns, equipment, ect are all covered.



  4. #4
    Join Date
    Aug. 11, 2008
    Location
    MD
    Posts
    3,882

    Default

    We have USAA homeowners with a special rider that covers full replacement for the structure and contents as well as liability.
    Lowly Farm Hand with Delusions of Barn Biddieom.
    Witherun Farm
    http://witherun-farm.blogspot.com/



  5. #5
    Join Date
    Jun. 4, 2001
    Location
    Florida
    Posts
    4,247

    Default

    Quote Originally Posted by Trevelyan96 View Post
    We have USAA homeowners with a special rider that covers full replacement for the structure and contents as well as liability.
    Same here.
    "Sometimes you just have to shut up and color."



  6. #6
    Join Date
    Dec. 13, 1999
    Location
    Greensboro, NC
    Posts
    37,133

    Default

    All the structures on our property are covered under our HO insurance policy.
    ______________________________
    The CoTH CYA - please consult w/your veterinarian under any and all circumstances. - ET



  7. #7
    Join Date
    Jun. 27, 2010
    Location
    SE VA
    Posts
    1,246

    Default

    Quote Originally Posted by jai65 View Post
    We are in South/Central Va and have farm owner ins through Virginia Farm Bureau Insurance. The house, barns, equipment, ect are all covered.



  8. #8
    Join Date
    Feb. 6, 2003
    Location
    Deep South
    Posts
    15,466

    Default

    On my homeowners, with an umbrella.
    ... _. ._ .._. .._



  9. #9
    Join Date
    May. 16, 2005
    Location
    Elmwood, Wisconsin
    Posts
    1,384

    Default

    An issue which is easy to overlook is fire call coverage. If
    you live in an area where the fire department charges for
    coming when you have a fire, the expense can be a very
    substantial amount.

    Someone set a fire in our woods year before last in the
    autumn. Our neighbor alerted us and we called the local
    volunteer fire department who came promptly and got
    the fire under control efficiently. BUT, they still had to
    work for several hours to control the blaze and completely
    extinguish it. Our local fire department bills for their
    service and the cost was over $2000 for a fairly modest
    fire! Fortunately for us, our insurance agent had put our
    policy into a higher than minimum level for fire call and
    we were reimbursed for the total cost by our insurance
    company.

    If you do have fire call charges possible where you live,
    you may want to check what level is covered and ask
    the local fire department what the typical charge is for
    an incident. You may want more coverage than you
    currently have.
    Robin from Dancing Horse Hill
    Elmwood, Wisconsin



  10. #10
    Join Date
    Nov. 6, 2009
    Location
    Silvana, WA
    Posts
    1,185

    Default

    Ours is on our homeowners insurance, with liability coverage. It's well covered since it's pretty simple.



  11. #11
    Join Date
    Aug. 14, 2000
    Location
    Rochester,NY,USA
    Posts
    7,939

    Default

    Quote Originally Posted by Equibrit View Post
    On my homeowners, with an umbrella.
    Same here. When I bought tractor and even the mowers, riding and zero turn, I contacted the company, Amica, just to make sure they were covered as well and they were.

    When I had people trucking in to use the indoor or take lessons with my trainer, I did have a Commercial Liability policy as well and when I did take in 'paying' boarders, I had a Care, Custody, and Control policy as well.
    Sue
    Sometimes you have to burn a few bridges to keep the crazies from following you!



  12. #12
    Join Date
    Feb. 7, 2000
    Location
    Northern Virginia
    Posts
    2,988

    Default

    Thanks everyone. It's comforting to know that using a home owner's is a common option. I've been debating adding on a separate barn policy, just in case, but am comfortable with just a HO.
    "Whether you think you can or think you can't, you are right." -Henry Ford



  13. #13
    Join Date
    Aug. 14, 2000
    Location
    Rochester,NY,USA
    Posts
    7,939

    Default

    Quote Originally Posted by Tiramit View Post
    Thanks everyone. It's comforting to know that using a home owner's is a common option. I've been debating adding on a separate barn policy, just in case, but am comfortable with just a HO.
    Tiramit, no matter what coverage others of us have, please do contact the company you have your homeowners policy with to make certain you are covered.
    Sue
    Sometimes you have to burn a few bridges to keep the crazies from following you!



  14. #14
    Join Date
    Mar. 26, 2005
    Location
    Back to Normal.. or as close as I'll ever get
    Posts
    10,362

    Default

    Quote Originally Posted by msj View Post
    Tiramit, no matter what coverage others of us have, please do contact the company you have your homeowners policy with to make certain you are covered.
    ^
    THIS!
    And make sure your coverage through HO is not the industry standard for outbuildings: 10% of what your home is covered for (replacement).
    I had my carrier increase the coverage on the barn/arena.
    Although not exactly = replacement for the present existing structures, at least I could replace the barn with something that would satisfy me.
    *friend of bar.ka*RIP all my lovely boys, gone too soon:
    Steppin' Out 1988-2004
    Hey Vern! 1982-2009, Cash's Bay Threat 1994-2009
    Sam(Jaybee Altair) 1994-2015



  15. #15
    Join Date
    Feb. 4, 2004
    Posts
    2,844

    Default

    Quote Originally Posted by jai65 View Post
    We are in South/Central Va and have farm owner ins through Virginia Farm Bureau Insurance. The house, barns, equipment, ect are all covered.
    I am in NoVA and have the same. Have been really happy with it. It was competitive with the regular HO insurance companies, but much more coverage.



  16. #16
    Join Date
    Feb. 7, 2000
    Location
    Northern Virginia
    Posts
    2,988

    Default

    Quote Originally Posted by msj View Post
    Tiramit, no matter what coverage others of us have, please do contact the company you have your homeowners policy with to make certain you are covered.
    But of course - I'm the type to over-insure and have policies now. It was more a curiosity question to hear about other options rather than "I'm new to this".
    "Whether you think you can or think you can't, you are right." -Henry Ford



  17. #17
    Join Date
    Sep. 24, 2009
    Location
    Atlanta, GA
    Posts
    104

    Default

    You need an insurance company that understands horse property so you can insure the barn, any other buildings, hay etc. I use Equine Insurance Specialists and they cover my farm, including my truck as a business. I still carry an umbrella policy on top of the standard. Some insurance companies won't cover if you ever breed, stand a stallion (which I do) or decide to board others ( which I never will).

    EIS works with a number of insurance providers so they will find the best one for your needs.

    Good luck.
    Fernhill Warmbloods
    www.fernhillwarmbloods.com



  18. #18
    Join Date
    Jun. 29, 2008
    Posts
    439

    Default

    Our barn and hay shed are covered under our homeowners policy, and we have a separate personal liability policy to cover accidents involving the horses.



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