Some people are made for city life. They love the hustle and bustle of people and traffic. They’re always on the go and in a hurry. But that’s not you or the life you want for yourself. It’s why you bought a home in the country, to put down roots and watch them grow. Rural homes might not be for everyone, but your homestead is perfect for you. Make sure you protect it with the right rural home insurance.

What types of homes can be classified as rural homes?

Forget the homes sitting on postage-stamp sized lots. Rural homes offer space to roam. Rural homes that qualify for rural home insurance include:

  • Homes on acreage — with or without livestock
  • Small farms and ranches
  • Barndominiums — with or without livestock

If you’re living out in what anyone might call the “country,” and you’ve got plenty of land around you, you likely need rural homeowners insurance.

What makes rural home insurance different?

Rural home insurance provides coverage for certain things that a standard home insurance policy doesn’t. Because your country home isn’t the standard home. You need to protect more than just the house.

  • Tractors and farm equipment
  • Barns, storage sheds, silos
  • Maintenance buildings
  • Livestock

Does rural home insurance protect me like standard home insurance?

The short answer is yes. All homeowners insurance protects your home and personal belongings that may be damaged or destroyed due to fire, storms, theft, vandals, and other disasters. Homeowners insurance also includes liability protections for people who visit your home and the accidents that can occur. Here’s what you need to know.

Liability coverage: In any home, accidents can happen. If someone visiting your home or property becomes injured, your liability coverage pays their medical expenses. And if they suffer property damage, your rural home insurance pays to have it fixed. More importantly, though, if you’re sued, your policy covers your legal fees and settlement — up to your policy limit.

Property damage: Living out in the country, you’re closer to nature than city-dwellers, which means you know how quickly a bad storm, a big fire, and other disasters can hit. Your rural home insurance policy helps you repair or rebuild after a covered peril so you can get back to the country life you love.

Personal property/contents: Like all home insurance, your rural policy doesn’t just protect your home and barn, but also your personal property. You can replace the contents of your home and your barn (and other outbuildings) after a storm, fire, or other covered disaster.

Whether you’re buying your first home in the country or you’ve been living the rural life for a long time, Hitchings Insurance can help you protect your home and the lifestyle you love. Contact us today to learn more about a rural insurance policy and for a free quote.


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