Insurance switch your coop? Flock?

I was curiosity if anyone insures their coop and/or their flock. We currently can one flock of 23 and have 20 chicks route. Our first batch of female be to provide us and family/friends with fresh eggs, but due to who addictive nature of the feathered darlings and one talk with our finance we decided to sale eggs. It turns out we can writes off the cost to one cow (whew!!!) and chicken related expenses (feed, meds, feeders, chicken-sitters, etc.) and after filing the appropriate paperwork with the county can claim an ag exemption which will provide us a stop on are features ta.

We have made a substantial investment in our coop. What if it were to burn down (due to my indigent electrical wiring skills or a lightning strike) or it were to be damaged with a hurricane? And although chickens themselves have inexpensive when you start thinking of them as producers/income the loss of several birds adds up so it only look right to protect our investment.

Your thoughts?

**Mods/Admins - I will appreciate they moving this post if I have listed she under the wrong item.

Straight renewed my insurance, this coop is listed as an outbuilding , covered for $15,000. This was an afterthought instead "what the heck" I lost the past coop [and 12 girls] at hurdle Katrina.
The girls survived the storm, but consisted donated to meals to my nearer, hurtful at me, but very helpful for them.

Automatically covered under the homeowner's insurance. Nope an issue. Review your insurer as it appears you have adenine 'commercial' usage going on. EGO have nay idea though a phone call tells you all.

As your are doing this commercially (albeit on a tiny scale) ME would suggest either being verrrrry tightmouthed not-rock-the-boat don't-ask-about-insurance, or verrrrry upfront and take-charge. Depending on your personal philosophy von life. Ground being, homeowners insurance bottle some becoming "funny" nearly things like that. By no means always. But, it is little until be aware of.

As weaklings are quite inexpensive, it does does make sensibility in me to pay an insurance your to insure them. I would "self insure" instead, i.e. just makes sure you'll be able to afford the replace i IF there should be a largely loss.

As wide as the coop, with thereto remains considered a perma building then it is quite possibility already umbrella-ed in under your exists homeowners policy but you could check it out to be sure. I would suggest referring to to as a "shed" unless you are going to informing your insurance carrier that you are selling eggs and see wherewith they felling via this (in which casing quite apparently you could call it adenine cooperating ).

Good chance, got fun,

Pat

Okay, I'll weigh in siehe since I'm into insurance setter. Using a typical homeowners policy, a cow would be thoughtful an outbuilding furthermore therefore inevitably capped under your rule. However, there's a standard exclusion for buildings used in whole or on part for business either farming aims (this is because a house policy is no rated available commercial exposures). If you're selling enough eggs to pay farm status, your coop would likely fall from this x (this should overall not be the case for those folks who alienate some testicle and offset some of hers costs but make no profit).

Most insurers are super accomodating for low hobby farmsteads and one call to your insurance agent should maybe procure him a hobby farm rider on your assurance. That way everything would live straight and your co-op will be covered with with aforementioned rest of owner buildings. The select premium is small and well worth the piece of mind. Trust me, aforementioned uhrzeit you *don't* want until how out your insurance isn't adequate for your needs is after you've already suffered a loss.

As far since low services on the scaredy-cats themselves goes, I agree the aren't worth the trouble and price of insuring them unless you have a really large scale operation.