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Farmhouse insurance

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What is farmhouse insurance? 

If you live in a farmhouse, you’ll need home insurance just as you would for any other type of home.

A buildings and contents home insurance policy will cover the structure of your farmhouse, as well as the furniture and possessions kept in it, protecting them from unexpected events like fire, storm damage, flooding and theft.

If you live in a farmhouse and run a working farm, you’ll need a specialist farm insurance policy to protect you from the risks associated with running an agricultural business.

Farm insurance policies are business policies designed to cover things like farm buildings, livestock and machinery. They can also cover goods in transit and protect against events that significantly interrupt the running of your business, causing you to lose income.

A farm insurance policy can include home insurance cover for your farmhouse as part of the package too. You’ll need to check if the cover is adequate for your farmhouse if you do choose one of these combined policies. It won’t necessarily be cheaper than buying home insurance and farm insurance separately, so it’s worth comparing costs.

Farmhouse insurance

What’s included in a farmhouse insurance policy?

Home insurance is split into two separate types: buildings and contents.

Farmhouse buildings insurance

The buildings part of home insurance is there to protect you from the costs of repairing or rebuilding your farmhouse if it’s damaged by an unexpected event like a fire, flood, subsidence and heave, falling trees and branches, or even vehicle or animal impact.

The physical structure of your farmhouse is covered - including the walls, roof and windows, as well as permanent fixtures and fittings inside the home like the kitchen and bathroom suite.

Find out more about buildings insurance.

Farmhouse contents insurance

Contents insurance covers you against loss, theft or any unexpected damage that might happen to your personal belongings and household goods. This could be due to a fire or flood, or because of an escape of oil or water, for example.

Everything from your furniture and furnishings to your clothing, jewellery, TVs and computers are covered.

It should also include public liability cover which protects you if someone claims against you for an injury that happened in your home, for example if they tripped over a rug and hurt themselves.

Find out more about contents insurance.

Add-ons and extras

Depending on your insurer and the level of cover you buy, a farmhouse home insurance policy could also include the following types of cover as standard, or available to buy as an optional extra:

Accidental damage cover

Can pay out for damage if you knock over the TV when vacuuming or spill paint onto furniture when decorating, for example

Personal possessions cover

Insures belongings you take out of your home against loss, damage or theft. Things like your mobile phone, wallet or purse

Family legal expenses cover

This pays up to a certain amount per claim for legal costs if you or a family member need to pursue or defend against a personal legal dispute. It could be for something like a personal injury claim that wasn’t your fault, or issues over faulty work done by tradespeople

Home emergency cover

Can pay for an authorised repairer to come to the rescue for home emergencies like a burst water pipe in the home

What isn’t included?

As is the case with all home insurance policies, a farmhouse home insurance policy will have some exclusions. For example, you can’t usually claim for things like:

Wear and tear

This is the gradual damage and deterioration that happens to things as they age. Home insurance policies won’t cover damage and deterioration to your property or contents that happens slowly over time

Poor maintenance

As a homeowner, it’s your responsibility to look after your property and to protect it from peril as much as you can. So, if you have a leak that’s happened as a result of your farmhouse roof being poorly maintained, you probably won’t be able to make a successful claim

Loss due to negligence

Insurers may not pay out on a claim if you were negligent. For instance, if you left your doors or windows open and were burgled

Deliberate damage

You can’t claim for damage to your home or its contents that’s done deliberately by you or anyone living in your home. That includes family members or guests you’ve invited over

Damage caused by pets

Not many insurers include this cover, though some do. So if it’s important to you, check your policy carefully before buying

Find the right cover and protect your farmhouse for less

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How much does it cost?

The price for a farmhouse insurance policy will depend on several things such as:

The buildings sum insured

This is the amount it would cost to rebuild your farmhouse from the ground up if it was destroyed by an unforeseeable event like a fire or flood. The higher the rebuild cost, the more expensive the insurance policy. You can usually find the rebuild cost in your mortgage valuation report or in the surveyor’s report from when you bought the house

If your home is of non-standard construction

Most standard homes are built of brick or stone with a tile or slate roof. But if your farmhouse is of non-standard construction - perhaps it has a thatched roof or is timber-framed for example, your home insurance will likely cost more. That’s because repairs to homes like these can cost a lot more as they need specialist materials and expert craftspeople to work on them

Where you live

Your postcode will influence the price of your premium. Some areas have a higher number of claims for things like theft or flooding than others, so insurance costs more if you live in an at-risk region

The value of the contents of your home

The higher the value of your possessions and furniture, the more expensive the policy

Free £250 home excess cover, only with GoCompare^

If you need to claim on your home insurance - for example, if your building is damaged by subsidence or your possessions are stolen - your free home excess cover will refund up to £250 of your excess.

There’s no hidden charge. But you won't be covered for things like accidental loss such as leaving a laptop on a train or accidental damage, such as spilling wine on your carpet or drilling through a pipe.

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^UK residents and home insurance purchases only. Excess refunded after claim settled. Excludes accidental loss or damage claims made on your home insurance. Full T&Cs apply.

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Tips for cheaper farmhouse insurance

There are a few things you can consider if you’re looking to keep down the cost of your farmhouse insurance:

  1. Improve home security. Installing professionally fitted burglar and smoke alarms and insurer-approved locks on windows and doors could help you save

  2. Pay annually, rather than monthly, if you can afford the lump sum. It means you won’t be charged interest

  3. Buying a combined buildings and contents policy from one provider usually works out cheaper than buying separately from different providers

  4. Choosing a higher excess can bring your premium down, just make sure it’s affordable

  5. Check your level of cover. If you overestimate the value of your farmhouse contents or its rebuild cost, you could be paying for cover you don’t actually need

What if my farmhouse is a listed building?

If your farmhouse has special architectural or historic interest and is a listed building, it’ll cost more to insure than a standard home.

That’s because these types of buildings are seen as riskier to insure. Not only are they more vulnerable to damage from things like fire and damp because of their age and the materials they’re constructed from, but they also usually require costly building materials and specialist tradespeople for renovations or repairs.

Not all standard insurers will offer you cover for a listed building and you may need to look for a specialist insurer.

What else do I need to consider?

Remember that a standard home insurance policy won’t cover any farm outbuildings if they’re used in whole or part for farming operations. You’ll need specialist farm insurance for these.

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