What do I need to consider with farmhouse insurance?
Most farmhouses are different from your average semi and you’ll need to take this into consideration when you choose or compare policies. One of the main areas that might concern you as a farmhouse owner is your level of security.
Many farmhouses are rural and more often than not, are remote with very few immediate neighbours. Plus, if your home is on a working farm, livestock and expensive farming equipment could prove a big temptation for thieves. It might be worth investing in a security system or burglar alarm for your home and outbuildings (and making sure you use it) to give you peace of mind but also to act as a deterrent. Your insurance for your farmhouse won’t cover your farming equipment, livestock or outbuildings because they’re business assets so make sure you get separate cover for this too!
You should also consider the age of your farmhouse. Traditionally built farmhouses may need specialist materials or craftsmen to repair or rebuild so ensure you add this into your quote to get the most accurate price. Once we display the quotes it’s worth looking at the finer details of each policy to find out exactly what each policy will cover.