Barns & Outbuildings Insurance: Protecting Your Farm Structures With the Right Coverage
We understand that your barns and outbuildings are essential to your day-to-day operations. Protect your barns, sheds, and outbuildings from fire, weather damage, and much, much more.
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What Does Barn Insurance Cover?
Barn and outbuildings insurance is an integral component in your farm insurance policy.
Barn insurance covers damages to your barn, ranch structures, and other outbuildings, protecting these buildings from a range of risks that could cause costly damage or loss. In order for these buildings to be protected under your insurance, these structures must be listed on your overall farm insurance policy.
Much like other insurance policies, you can choose how broadly you want these items covered. Basic policies typically cover the fundamentals, such as the structure itself (the roof and walls), and specific perils, such as vandalism or damage. You can purchase additional coverage to ensure that the barn’s contents are covered.
Standard coverage under barn insurance includes physical damage to barns, sheds, and outbuildings, fire, vandalism, lightning, wind, or hail storms.
How Barn Insurance Differs From Farm House Insurance
Yes, barn insurance is different from farm house insurance. While both might fall under the broader umbrella of farm coverage, they serve distinct purposes.
Farm house insurance is designed for farmers who live on their property. This insurance coverage combines personal home insurance with commercial coverage. Therefore, it covers your residence, belongings, and liability as both a homeowner and farm operator.
Barn insurance is specific non-residential structure insurance that covers barns, workshops and storage sheds. This type of coverage will focus on the structural damage caused by fire, storms, or vandalism and does not apply to home or personal property.
Optional Coverages: Protecting What’s Inside Your Barn
Standard barn insurance will not apply to the contents of your barn, but you can consider optional contents coverage to protect your essential equipment and supplies.
Optional Coverages: Protecting What’s Inside Your Barn
Standard barn insurance will not apply to the contents of your barn, but you can consider optional contents coverage to protect your essential equipment and supplies.
Farming Supplies: Stored Inventory Protection
Farm supplies coverage will protect your stored inventory, such as feed and grain, fertilizer, seed, packaging materials, bagged soil, and other consumables. This coverage only applies to the items stored for future use or sales.
Farming Equipment: Theft and Damage Coverage
Your farm equipment is expensive and crucial to daily operations. Add on equipment and machinery coverage to cover the repair or replacement costs for tractors, milking equipment, hay balers, small tools and more.
Many policies cover common risks like theft or vandalism, but not all perils are included by default.
There is a high amount of risk involved in farming, and dangerous incidents can happen at any time. Liability protection will cover you, whether it’s in the barn or elsewhere.
Do You Need Liability Coverage for Barns?
Yes, liability coverage for your barn is essential for any farm operations. Acquiring liability coverage will relieve you from the financial and legal responsibility in the case that someone is injured in or around your barn.
Liability insurance covers injuries to visitors, workers, or delivery personnel in your barn, property damage caused by your operations or animals, legal fees, medical expenses, and more.
There is a high amount of risk involved in farming, and dangerous incidents can happen at any time. Liability protection will cover you, whether it’s in the barn or elsewhere.
Why Choose Oegema, Nicholson & Associates for Barn Insurance?
Since 1961, Oegema, Nicholson & Associates have proudly supported Canadian farmers with insurance solutions that are tailor-made for the unique demands of agricultural life.
From small family farms to larger operations, our brokers are here to help you protect your property—and your peace of mind.
What Our Clients Are Saying
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Oegema, Nicholson & Associates Insurance
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Jennifer Parks, Stittsville, Ontario
“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”
Charlene Brunet, Butler Group of Company
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