Barndominiums—those stylish hybrid structures combining barn-style exteriors with modern home interiors—have become increasingly popular across the United States. Whether you’re building one from scratch or converting an old barn, one of the most critical (yet often overlooked) aspects of barndominium ownership is insurance.
Getting a barndominium insured isn’t always as straightforward as insuring a traditional home. Because these structures are unique in design and construction, many homeowners face challenges when working with insurance companies unfamiliar with the concept. However, with the right knowledge and preparation, you can secure the coverage you need for peace of mind.
In this guide, we’ll walk you through how to get a barndominium insured, from understanding what insurers look for to the steps you can take to ensure your home qualifies for adequate protection.
Why Is It Harder to Insure a Barndominium?
Barndominiums often fall outside the norm of residential architecture. Insurers are used to underwriting homes that conform to specific standards regarding materials, square footage, roofing types, and construction methods. When faced with a building made from steel framing, metal siding, or mixed-use spaces (like a home and workshop in one), many insurers hesitate—or charge more—due to the perceived risk.
Common reasons insurers may be cautious:
- Unconventional materials (e.g., metal roofing, steel frame)
- Custom or DIY construction
- Mixed-use buildings (home + garage/shop/barn)
- Remote or rural location
- Lack of comparable sales data for valuation
But don’t worry—getting coverage is absolutely possible. It just takes some extra work.
Step 1: Know What Type of Insurance You Need
When looking to insure a barndominium, you’ll generally need one or more of the following:
- Builders Risk Insurance
If your barndominium is still under construction, you’ll need this type of policy. It covers damage or loss to the structure, materials, and tools during the building phase due to events like fire, theft, windstorms, or vandalism.
- Homeowners Insurance
Once construction is complete, you’ll want standard homeowners insurance—also known as a HO-3 policy. This covers the building, your belongings, liability, and sometimes living expenses if you’re displaced due to a covered event.
- Farm or Commercial Insurance
If your barndominium includes commercial activities (e.g., you run a business or farm animals), you may need farm insurance or a commercial rider on your homeowner’s policy.
- Vacant Property Insurance
If your barndominium will sit empty for long periods (such as a second home or vacation rental), a standard homeowners policy might not be enough. You’ll need coverage specific to vacant properties.
Step 2: Prepare Thorough Documentation
Insurers want to know exactly what they’re covering. That means being organized and transparent.
Here’s what to gather:
- Construction details: What materials were used? What is the structural frame made of? Is it a kit or custom build?
- Floor plans: A detailed plan showing living areas, bedrooms, bathrooms, etc.
- Photos: Exterior and interior images to document quality and use of space.
- Contractor credentials: If built by a licensed contractor, this reassures insurers of code compliance.
- Appraisal: If available, get an official valuation from a certified appraiser familiar with barndominiums.
Step 3: Work with the Right Insurance Providers
Many mainstream insurance providers are unfamiliar with barndominiums. Instead of wasting time calling companies that don’t understand your needs, look for:
- Specialized Insurers
Some insurers specialize in rural properties, farm homes, or unique dwellings. Companies like Foremost Insurance, American Modern, and Farm Bureau may be more familiar with barndominiums than traditional giants like State Farm or Allstate.
- Independent Insurance Agents
Local agents often work with multiple carriers and can help you shop around for the best policy. They’ll understand local building codes, rural risks, and may have experience with barndominiums in your area.
- Builders and Designers
If you’re working with a builder or barndominium designer, ask them for recommendations. They likely have relationships with insurers or know which carriers have covered previous projects.
Step 4: Make Your Barndominium More Insurable
If you’re still in the design or building phase, consider these tips to increase your insurability:
- Stick to Residential Codes
Design the living portion of your barndo to meet or exceed local residential building codes. This includes proper electrical, plumbing, HVAC, and fire safety standards.
- Separate Living from Work Areas
If possible, create a clear separation between your living quarters and any garage, workshop, or barn space. This reduces risk and makes it easier for underwriters to assess the living space like a traditional home.
- Install Fire Safety Measures
Include smoke detectors, fire extinguishers, and if practical, a sprinkler system. Use fire-resistant materials where possible.
- Add a Home Security System
Security systems, cameras, and monitored alarms reduce the risk of theft or vandalism, especially in remote areas.
- Keep Up with Maintenance
Show that the structure is well-maintained and built to last. Neglected buildings raise red flags with insurers.
Step 5: Understand What Your Policy Covers
Once you secure a policy, read it carefully. Ask your agent to explain anything unclear.
Standard homeowners insurance typically includes:
- Dwelling coverage – Covers the structure itself
- Personal property – Covers your belongings inside
- Liability protection – In case someone is injured on your property
- Additional living expenses – Covers costs if you need to live elsewhere during repairs
However, make sure the following are addressed:
- Is metal siding or roofing excluded or rated differently?
- Are outbuildings (barns, shops, garages) covered?
- Does the policy require a replacement cost or actual cash value?
- Is business or agricultural activity excluded?
Bonus Tips
- Reassess Annually: As your barndo increases in value or you add improvements, update your coverage.
- Bundle Policies: Bundling homeowners with auto or umbrella insurance can save money.
- Check for Natural Disaster Coverage: In flood, tornado, or wildfire-prone areas, you may need extra coverage. Flood insurance, for example, is not included in standard policies.
Final Thoughts
Getting a barndominium insured may take a bit more effort than a traditional home, but it’s absolutely achievable with the right preparation and guidance. By understanding your needs, documenting everything properly, and working with professionals experienced in unique homes, you can protect your investment and enjoy your one-of-a-kind home with confidence.
If you’re in the planning stages of building a barndominium, it’s a great idea to speak with insurers early—before construction begins—so you can build with their requirements in mind. And if you already own a barndo and are struggling to find coverage, don’t give up. The right agent or company is out there, and the security insurance provides is well worth the effort.
Need help designing a barndominium that’s insurable and built to last? Contact us today to get started with plans tailored for safety, value, and long-term peace of mind.