Summary: Farm Property – Barns, Outbuildings, And Other Farm Structures Coverage Form, FP 00 14 04 16, applies to buildings and structures, other than farm dwellings and other private structures appurtenant to dwellings. Coverage applies to farm buildings or structures under form FP 00 14, when a limit of insurance is shown for each item.

Coverage may be purchased for an owner or a tenant with an insurable interest in the farming or ranching operation. However, when the farm is tenant-occupied, it must be operated under the insured's supervision or under contract management. The coverage may apply to individual buildings or structures or to groups of similar buildings or structures. For buildings that are heated, the letter “H” must be entered on the declarations after the building description. Each structure shown in the declarations under coverage G must also indicate whether coverage is to be provided as replacement cost (RC) or actual cash value (ACV).

Topics covered: Covered property

Property not covered

Conditions—coverage G

Coverage extensions

Additional Coverages

Other provisions

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Covered Property

COVERAGE G – BARNS, OUTBUILDINGS, AND OTHER FARM STRUCTURES

A.Coverage

We will pay for direct physical loss of or damage to Covered Property at the “insured location” described in the Declarations, or elsewhere as expressly provided below, caused by or resulting form any Covered Cause of Loss.

1.Covered Property

All of the following are Covered Property under Coverage G of this Coverage Form, provided a Limit of Insurance is shown in the Declarations for the specific type of property:

a.Farm buildings and structures other than “dwellings”, including attached sheds and permanent fixtures;

b.Silos individually described in the Declarations or on a schedule, whether or not attached to buildings;

c.Portable buildings and portable structures;

d.All fences (except field and pasture fences), corrals, pens, chutes and feed racks;

e.Outdoor radio and television equipment, antennas, masts and towers, including any guy wires and lead-in wiring;

f.Improvements and Betterments. Improvements and betterments are additions, alterations, fixtures or installations made part of the described building, but do not include items that may be legally removed by an “insured”. If you are a tenant, we cover your use interest in the improvements and betterments you make at your expense to a building you do not own at the “insured location”; and

g.Building Materials and Supplies:

(1)For use in building, altering or repairing farm buildings or structures; and

(2)Kept on or adjacent to the “insured location”.

Analysis

Some similarities exist between some of these property items and items included in farm property coverages A and B, but there are important differences, as well. Among them:

In order for coverage G to apply, fences (along with—or without—corrals, pens, chutes, and feed racks) must be specifically listed in the declarations with a limit of insurance specified. Fences are subject to the equivalent of a 100 percent coinsurance clause (see discussion later in this article).

The 2016 revision added language to the outdoor radio and television equipment provision to include guy wires and lead-in wiring.

Coverage A applies to materials (on the insured location) used in building, altering, or repairing the dwelling. Similar coverage is provided under coverage G for use in building, altering or repairing farm buildings or structures, other than the dwelling. These items must be located on or adjacent to the insured location. Coverage is provided only if an entry is made for building materials and supplies on the declarations and a limit of insurance is shown for this item. This property is also eligible for coverage under either coverage E as miscellaneous equipment item G or unscheduled farm personal property under coverage F. A general supply of materials kept on hand for use as needed in repair of either the dwelling or farm buildings might better be included in coverage E or F than relying on either coverage A or G.

Property Not Covered