Insurance for Barndominiums

Written By: Larry Haggerty

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For most homeowners, your home is going to be the biggest purchase you make in your life so it makes sense that you want to protect it. Insuring a barndominium can be difficult in some areas. Before you build you will want to do some research in your area and find a reputable insurance agent to help you.

It’s very important to understand the insurance options available to you whether you’re trying to insure a barndo or a traditional home. Barndominiums don’t always qualify for your standard homeowner’s insurance because of the dual purpose they serve.

However, it is possible to get homeowners insurance for a barndominium. You may have to do some digging and find a specific provider as many traditional insurance plans won’t cover everything you need with a barndominium.

Below we will dive into the different types of insurance coverages, factors affecting your insurance options and the cost of insurance.

Key Takeaways

  • You can get insurance for a barndominium but it might take some legwork and working with a reputable agent.
  • There are several factors that impact your ability to get insurance such as the location, floor plans, security systems and materials used.
  • The cost of insurance for a barndominium is usually comparable to a traditional home but may be slightly more. The average across the United States is around $1,500.

What is Barndominium Insurance?

If you own or plan to build a barndominium, you need to get barndominium insurance to protect your property and everything inside it. Barndominium insurance is a type of insurance policy designed specifically for barndominiums, which are metal or steel buildings that are used as both a living space and a workspace.

Barndominium insurance provides coverage for a range of risks, including property damage, liability, and personal property. It typically covers damage to the interior and exterior of your home caused by things like weather, fire, theft, or vandalism. Additionally, it can cover your personal belongings, such as furniture, appliances, and electronics.

When choosing a barndominium insurance policy, you need to consider the coverage options available and the cost of the policy. You may want to add additional coverage options, such as flood insurance, fire protection, or livestock insurance, depending on your needs.

It is important to note that barndominium insurance is not the same as regular home insurance. Barndominiums have unique features and risks that require specialized coverage. It is essential to work with an insurance provider who is familiar with barndominiums and can help you find the right coverage for your needs.

Coverage Types

Actual Cash Value vs. Extended Value Insurance

Actual cash value insurance will only cover the current value of your barndominium. 

Extended value insurance will cover the cost of replacing your barndominium, even if the cost is higher than the current value.

An extended value insurance plan is generally more expensive than an actual cash value plan but is worth the investment to make sure you not only can replace your structure but also your belongings and anything else you need.

Liability Coverage

Nearly all insurance plans have some form of liability coverage. This type of coverage will protect you if someone were to be injured on your property and they decide to sue you. This will cover things like medical expenses, legal fees and any other costs associated with a lawsuit.

Additional Coverage

In addition to the basic coverage types, there are also a number of additional coverage options you may want to consider. For example, you may want to purchase content coverage to protect your personal property, such as furniture, appliances, and valuable items. You may also want to purchase coverage for specific risks, such as lightning or vandalism. 

Some policies may also include coverage for workshops or other outbuildings on your property.

It’s important to carefully review your policy and understand exactly what is covered and what is not. If you have any questions or concerns, be sure to speak with your insurance provider. By taking the time to carefully consider your coverage options, you can ensure that you have the protection you need in the event of an emergency or disaster.

Factors Affecting Barndominium Insurance

Just like with a traditional home, there are several factors that will impact the cost of your insurance policy.

Here are some of the most significant factors to keep in mind:


Your barndominium’s location plays a significant role in determining your insurance premium. If your barndominium is located in an area that is prone to natural disasters like tornadoes, flooding, or earthquakes, your insurance premium will be higher.

Additionally, if your barndominium is located in an area that is considered high-risk for acts of war or terrorism, your insurance premium may also be affected.

Exterior and Interior Features

The exterior and interior features of your barndominium can also impact your insurance premium. If your barndominium has expensive features like a metal roof or high-end appliances, your insurance premium will be higher. On the other hand, if your barndominium has safety features like a security system or fire alarm, your insurance premium may be lower.

Natural Disasters and Acts of God

As mentioned earlier, natural disasters like tornadoes, flooding, and earthquakes can impact your insurance premium. However, it is important to note that some insurance policies may not cover damage caused by certain natural disasters or acts of God. For example, if your barndominium is damaged by a flood, but you do not have flood insurance, you may not be covered.

Security Systems

The security of your barndominium can also impact your insurance premium. If your barndominium has a security system or other safety features like smoke detectors, your insurance premium may be lower. This is because insurance companies view these features as reducing the risk of damage or theft.

Cost of Barndominium Insurance

When it comes to barndominium insurance, the cost can vary depending on several factors. According to Metal Building Homes, the national average cost of homeowners insurance is $1,383 per year for $250,000 worth of coverage. However, it is impossible to say how much a barndominium insurance policy will cost because it hinges on factors like your credit score, marital status, and claims history.

Generally, barndominium insurance costs between $500 and $1,000 per year, as mentioned by Infolokerna. The cost can be higher or lower depending on the factors mentioned above. Additionally, the cost of barndominium insurance can also be affected by any discounts that may be available.

When shopping for barndominium insurance, it’s essential to compare the cost of policies and check for discounts that may be available. Some insurance providers specialize in barndominium insurance, and they may offer better rates than general insurance companies.

It’s also essential to note that the cost of barndominium insurance is not the only factor to consider. You should also look at the coverage provided by the policy. Make sure the policy covers the costs to repair damage to the barndo itself, costs to repair or replace certain possessions you store in the barndo, and the costs you incur renting somewhere while repairing your barndo.

Building and Repairs

When it comes to building or repairing your barndominium, it’s important to have the right insurance coverage. Your insurance policy should cover damages caused by natural disasters, such as hail or wind, as well as damages caused by accidents, such as a tree falling on your home.

If you are building a barndominium, you will need to make sure you have the right coverage during the construction process. This can include coverage for materials and equipment, as well as liability coverage in case someone is injured on your property during construction.

Once your barndominium is built, you will want to make sure it is properly maintained and any repairs are made promptly. Your insurance policy should cover repairs caused by damage from natural disasters, accidents, or general wear and tear.

It’s important to note that not all insurance policies are created equal. Make sure you read the fine print and understand what is covered and what is not. You may need to purchase additional coverage for certain types of damages or events.

If you need to make a claim for repairs, be sure to document the damage and contact your insurance company as soon as possible. They will guide you through the claims process and help you get your barndominium back in top shape.

How to Insure Your Barndominium

Insuring your barndominium is crucial to protect your property and everything inside it. In this section, we will discuss how to insure your barndominium.

Finding the Right Insurance Provider

When it comes to insuring your barndominium, you need to find the right insurance provider. Not all insurance providers offer coverage for barndominiums, so it’s essential to do your research and find one that does. You can start by searching online for “best barndominium insurance providers” or asking friends and family members who have barndominiums for recommendations.

Once you have a list of potential insurance providers, you should check their ratings and reviews online. You can also contact them directly and ask about their coverage options, insurance rates, and discounts.

Working with an Insurance Agent

Working with an insurance agent can make the process of insuring your barndominium much more manageable. An insurance agent can help you find the right insurance provider, explain the coverage options, and help you choose the best policy for your needs. They can also help you get discounts on your insurance rates.

When choosing an insurance agent, make sure to find one that specializes in barndominium insurance. They will have the knowledge and expertise to guide you through the process and ensure that you get the best coverage possible.

Barndominium Financing

When financing your barndominium, it’s essential to consider insurance costs. Insurance rates can vary depending on the location, size, and construction of your barndominium. You should factor in insurance costs when calculating your mortgage payments and overall investment.

In conclusion, insuring your barndominium is vital to protect your investment and everything inside it. By finding the right insurance provider, working with an insurance agent, and considering insurance costs when financing your barndominium, you can ensure that you have the best coverage possible.

Exclusions and Limitations

When it comes to barndominium insurance, it’s essential to know what is and isn’t covered by your policy. Exclusions are damages or losses that your policy won’t cover. They can vary from one policy to another, so it’s crucial to read the fine print and understand what is excluded from your policy.

Acts of God and Natural Disasters

Barndominium insurance policies typically exclude damages caused by Acts of God. These are natural disasters or catastrophic events that humans cannot control or avoid. Examples of Acts of God include tornadoes, flooding, earthquakes, and hurricanes. If your barndominium is damaged by an Act of God, your policy won’t cover the damages unless you have a separate policy for that specific type of natural disaster.

Electrical Issues

Barndominiums are often equipped with sophisticated electronics, including high-end appliances, entertainment systems, and home automation technology. However, electrical issues can occur, and they’re often excluded from barndominium insurance policies. If your electronics are damaged due to a power surge or other electrical issue, you may need to purchase separate insurance to cover the damages.

Injuries and Medical Bills

If someone is injured on your property, your barndominium insurance policy may cover the resulting medical bills. However, there are limitations to this coverage. For example, if the injured person was trespassing on your property, your policy may not cover their medical bills. Additionally, if the injury was caused by a dog or other pet, you may need separate pet liability insurance to cover the damages.

Overall, it’s essential to read and understand your barndominium insurance policy’s exclusions and limitations. By doing so, you can ensure that you have the coverage you need to protect your property, your belongings, and your financial well-being.


In conclusion, insuring your barndominium is essential to protecting your property and everything inside it. While it may be challenging to find the right policy, it is entirely possible to get barndominium insurance.

When shopping for a policy, make sure to consider the unique needs and risks associated with these properties. A specialized insurance policy will provide comprehensive coverage for both the residential and non-residential aspects of your barndominium, covering perils such as fire, windstorm, theft, and liability claims.

It’s crucial to understand the restrictions and considerations involved in getting the right policy. Your insurance agent can help you navigate the process and find the policy that best fits your needs and budget.

Remember that a regular home insurance policy may not cut it for a barndominium, so it’s essential to shop for a specific type of insurance. Make sure to read the policy carefully and understand the coverage and exclusions.

Finally, maintaining your barndominium and taking precautions to prevent damage can also help reduce your insurance premiums. Regular maintenance, such as checking your roof for leaks, can prevent costly repairs down the road. Taking steps to protect your property, such as installing security cameras, can also reduce your insurance premiums.

Frequently Asked Questions

What factors affect the cost of insuring a barndominium?

The cost of insuring a barndominium can depend on several factors, such as the location, size, and value of your property. Insurance companies will also consider the materials used to construct your barndominium, as well as any additional features like a pool or detached garage. It’s important to shop around and compare quotes from different insurance providers to find the best coverage at an affordable price.

Can I get insurance for a barndominium from any company?

Yes, you can get insurance for a barndominium from most insurance companies that offer home insurance policies. However, it’s important to choose a company that has experience insuring unique properties like barndominiums. Look for a provider that offers customizable policies that can be tailored to your specific needs.

Are barndominiums more affordable to build than traditional homes?

Barndominiums can be more affordable to build than traditional homes, as they often require less labor and materials. However, the cost can still vary depending on the size and features of your barndominium. It’s important to work with a reputable builder and create a detailed budget to ensure that you stay within your financial means.

What are the benefits of insuring a barndominium with a farm home insurance policy?

Insuring your barndominium with a farm home insurance policy can offer several benefits. These policies often provide coverage for farm-related equipment and structures, as well as liability protection for accidents that occur on your property. Additionally, farm home insurance policies may offer more flexible coverage options for unique properties like barndominiums.

Are barndominiums safe in severe weather conditions like tornadoes?

Barndominiums can be safe in severe weather conditions like tornadoes, as they are often constructed with sturdy metal materials. However, it’s important to take precautions like installing storm shutters and reinforcing doors and windows to protect your property. Additionally, you should make sure that your insurance policy provides adequate coverage for damage caused by severe weather.

What are the pros and cons of building a barndominium?

Building a barndominium can offer several advantages, such as lower construction costs and a unique, customizable living space. However, there are also some potential drawbacks to consider, such as limited financing options and zoning restrictions in some areas. It’s important to weigh the pros and cons carefully before deciding if a barndominium is the right choice for you.

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