So, you have decided to build a barndominium? How and where you build your future home will make a difference in what your insurance rates will be. Now is the time to consider how to construct a home that will ride out the toughest storms, while keeping you cozy and safe. Not every post frame building is built to endure through the harshest of seasons. At Armstrong Insurance, we have the knowledge and experience to advise you on your barndominium insurance needs. After all, we live in our very own barndo! Here are some ways to help you wind up with a home that lasts, while giving you the most affordable barndominium insurance rates.
You will probably never live in a completely fireproof home, but there are many ways you can cut back on the likelihood of a house fire. Hiring a competent electrician, and having your electrical work well inspected will do much to prevent the risk of a house fire. Also, barndominiums are often constructed using more metal and less wood than a typical home, making a big difference in flammability. Another thing your insurance company will consider is how close your barndominium will be to the nearest fire station. Having plenty of smoke detectors, or even sprinkler systems in place, will make your home especially safe in case of a fire.
Home or Business?
What plans have you dreamed up for your future barndo home? Many people choose to build a pole structure home thanks to the great versatility they provide. There could be an attached stable for your horses, a section set aside for vehicle or boat storage, a place to conduct business from your own home office, a hobby shop for your woodworking projects, or any other number of uses. The possibilities are nearly endless, but how you choose to use your new home will definitely affect your future rates. Consider calling Armstrong Insurance to discuss the insurance options available for the scenario you are dreaming up. We can help you create the best policy to fit your needs.
From Shed to Home
Mechanical (heating and cooling), electrical, and plumbing codes are very different for residential buildings than they are for outbuildings. A post frame home should be built to last, and built with safety in mind. If you are converting an existing structure into a livable space, you will need to work closely with local government officials who can assist you in getting the permits necessary. Following local building codes closely is paramount in keeping all of your safety features up to date and legal. By following the building requirements, and having the permits you need, you will be making your home as safe as possible, as well as making it easier to purchase a barndominium insurance policy with affordable rates.
We are happy to discuss the insurance options available to you as you make plans to build your dream home. The barndominium life is a grand adventure, and we love sharing our own experience. Give Armstrong Insurance a call today!