Can You Insure A Pole Barn?

Oct 16, 2020 | Business Insurance

Question: Can you insure a pole barn?

The short answer is yes, of course, you can insure a pole barn as part of your farm insurance. But first, what is a pole barn?

Pole barns are a type of post-frame construction. To explain, post-frame construction is a technique for making well-built and stable structures. This is a centuries-old technique and is a highly-engineered, effective solution. The main frame of the posts that are buried under the ground. They are the foundation of the barn. In addition, doing the post-frame construction is way cheaper and less time-consuming.

The term “pole barn” originated from the Great Depression and Dust Bowl in the 1930s. Because of the damage of the natural disaster, farmers then used recycled telephone pole barns as alternatives in restructuring their farms. The term “telephone pole barns” was then shortened to “pole barns” and led to a new era of American pole barns.

What are the main advantages of a pole barn?

  • Easier foundation – Pole barns can be built without having a foundation. The main building of the construction is supported by poles that are deeply rooted below the ground.
  • Less expensive – Pole barns need fewer materials than a usual construction. Fewer materials mean less cost for you.
  • Less labor-intensive – Due to the simple design, you only need a few hours of work to build your pole barn.
  • Better insulation – The wide space between posts in your pole barn makes better insulation because of lesser thermal breaks.

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Can pole barns handle a snowy climate?

Yes, of course, pole barns can handle a snowy climate. Your pole barn can be built to handle a snow blizzard if you are living in states that have heavy snow.

Can pole barns have automatic doors?

Automatic doors are only recommended for pole barns that are used to store vehicles. However, it is not recommended if you plan to use it for your horses or for your other agricultural equipment.

Do you need a permit in order to build a pole barn?

Usually, most cities require permits. However, we greatly suggest contacting your local government if building a pole barn requires permits as it varies from city to city. They can also inform you about the required maximum size and placement.

Other purposes of a pole barn:

  • Garages – This is the most common use of a pole barn. Since the pole barn has extensible height and depth, it can house vehicles such as tractors, motorcycles, and RVs.
  • Workshop – You can store the equipment that you use for your workshop hobbies in a pole barn.
  • Horse stables – Pole barns can make good horse stables during the colder months.
  • Cattles – You can use your pole barn as a house for your cattle or other livestock animals when the winter season already comes.
  • Man cave – Pole barns can make a good escape for people who just want to relax from the outside world.

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How much would building a pole barn cost?

Small pole barns start at $4,000. Large buildings with extra additions might cost thousands of dollars. 

First, consider the building’s purpose. The size depends on what you want to store, such as equipment, automobiles, cattle, and feed. Consider metal or vinyl siding for your roof. These will decide your pole barn’s cost. You must also decide on your barn’s design and choices. Consider adding windows, doors, overhangs, wainscoting, and a cupola.

These features will increase the price. You may construct a pole barn yourself from a kit or hire a professional to save money. Professionals cost more. Before hiring a contractor, verify references and various quotes. It contains a permission budget.

Creating a pole barn is costly, but it can protect your heavy trucks, livestock, horses, and other valuables and boost your land value.

Pole barns vs. Traditional barns

You basically have two options when creating storage buildings for residential or commercial use— either build a pole farm building or a traditional barn. Both have their own advantages of being practical and fast solutions. A pole barn might be your best choice.

Traditional barns are well-built structures that last for ages. However, it takes a lot of time to plan and create a barn. It can also be more expensive and out of your budget. Consider your budget in choosing a pole barn or a traditional barn and see how much you can afford to pay for your chosen barn to build.

Traditional barns can take a long time to create. If you are in a hurry, then waiting for traditional barns to build may take some time. Meanwhile, you can make and build pole barns in just a day and this is important for people who are looking for storage as soon as possible. Pole barns can also be sturdy just like a traditional barn and can save you expensive costs. Another good thing about pole barns is that you can easily install other features that a traditional barn cannot.

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Pole Barn Insurance

Insurance for the Farm’s Buildings, Stables, and Other Outbuildings

You run a successful company, but running a farm or ranch is also your way of life. Having safeguards in place is crucial to preserving the fruits of one’s labor. Having farm structure insurance coverage is a must.

Outbuildings like barns and stables may be protected against theft and natural disasters with the help of farm outbuilding coverage, which can be added to your farm insurance policy. This is in addition to the dwelling coverage on your policy, which protects your house itself.

There are three types of insurance for a pole barn. These are:

  • Homeowner’s
  • Farm
  • Commercial

Actual cash value insurance covers replacement value less depreciation. The pole barn’s depreciation depends on its age and condition. According to their materials, ancient structures depreciate 1% every year. Your pole barn’s market worth isn’t its financial value.

Replacement cost insurance pays to replace a pole barn without depreciation until the policy maximum. You must pay the difference if replacing the pole barn costs more than your insurance maximum.

Actual cash value or replacement cost plans are available. Depreciation still isn’t part of premiums. Having an old barn needs a replacement cost policy. You must also insure your automobiles, farm equipment, merchandise, and personal property. Auto insurance covers cars. Agricultural policies protect farm equipment. Commercial insurance covers additional equipment. Consider insurance for lost income, liabilities, and building code fees. Large non-farm outbuildings may have “other structures” restrictions on a homeowner’s insurance. A separate insurance costs more.

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Are demolition and debris removal included in the insurance policy you will get?

Yes, demolition and debris removal is included. However, when there are fallen trees in the barn, the insurance will only pay for the tree to be removed. Cutting the trees and throwing them will be under the responsibility of the owner.

How do I determine the right coverage amount?

For new post-frame buildings, you have to take note of the final price of the building and the improvements. This includes electrical work, plumbing, concrete, and others. Also, calculate the coverage to hire a contractor to do the job. Always remember that the cost is the price of materials times two. Also, concrete also needs to be included since they are destructible too. A fire can cause damage to it.

For existing post-frame buildings, we highly recommend discussing all the details with your insurance agent. They can help you estimate the approximate costs. One more option is to contact the original builder to get the exact building cost and then add any changes that were not in the contract.

How often should you meet your insurance agent to review your coverage?

Insurance companies will ask you to review your coverage every 2 years to decide if your pole barn is completely covered and if it includes all the improvements, inflation, contents or new building uses.

You should also review your coverage annually if you have a farm policy to make sure to cover all the changes for your equipment. You should also never assume that your policy includes an inflation guard feature. This is not found in on-farm or commercial purposes insurance. However, they can be included in homeowner policies.

Do You Have The Right Insurance?

Pole barn owners who work with Advantage Insurance Solutions get comprehensive coverage at competitive rates. Any farm or ranch owner who has constructed a pole barn on their land should have pole barn insurance in place.

Call or text us at (877) 658-2472 for a free consultation today!

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