My homeowner's policy is also 10%, so I raised the house coverage to give reasonable protection for my outbuildings. The contents of the outbuildings are covered on my homeowner's, so long as nothing is used commercially.
Had a recent claim from a large oak hitting one building. First check was $19k, remainder upon repair completion. While the adjuster was here I took the opportunity to ask about a number of things, including my large amount of machinery. Fully covered, so long as nothing has unusually high value as "collectable", which should have a rider. Any machinery damaged off my property would not be covered. The assumption is it was then used commercially.
No need to say "storage" for a farm outbuilding when it's full of obviously often used tools. My farm buildings contain tools and tractors. Non-commercial as I'm a "tree farmer".
Much depends on which insurance company. I had a very unpleasant experience over a fire-damaged tool claim with an Allstate independent adjuster several years ago. This time couldn't have been easier, the adjuster is an insurance co. employee.
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Today's Featured Article - Harvestin Hay: The Early Years (Part 2) - by Pat Browning. The summer of 1950 was the start of a new era in farming for our family. I was thirteen, and Kathy (my oldest sister) was seven. At this age, I believed tractor farming was the only way, hot stuff -- and given a chance I probably would have used the tractor, Dad's first, a 1936 Model "A" John Deere, to go bring in the cows! And I think Dad was ready for some automation too. And so it was that we acquired a good, used J. I. Case, wire tie hay baler. In addition to a person to drive th
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