Barndominiums are booming in popularity across Arkansas, blending rustic charm with modern living. Whether you’ve already built one or are in the planning stages, there’s one question you shouldn’t overlook: Can you insure a barndominium in Arkansas? The answer is yes — but it comes with some unique considerations.
In this guide, we’ll break down what a barndominium is, why insuring one is different from traditional homes, what coverage you’ll need, and how much barndominium insurance in Arkansas might cost. To learn more about the specific options available, visit our insurance agency in Arkansas to find the right coverage for your home.
What is a Barndominium?
A barndominium (or “barndo”) is a steel-framed structure that merges traditional barn design with residential features. These properties often include:
- Open-concept living spaces
- High ceilings and large windows
- Attached garages, shops, or storage areas
- Durable materials like metal, steel, or a wood/stone mix
Barndos are versatile — used for living, working, and even small business operations. Their unique design makes them especially appealing to homeowners who want space, flexibility, and rural charm.
Can You Insure a Barndominium in Arkansas?
Yes, you can — and should — insure a barndominium. But it’s not the same as getting a standard homeowners policy. Because barndos often include mixed-use spaces and non-traditional construction, they need custom coverage.
A proper barndominium insurance policy protects:
- The residential living area
- Attached structures (barns, shops, garages)
- Equipment or tools used for hobbies or business
- Liability for accidents on your property
What Does Barndominium Insurance Cover?
Just like traditional homeowners insurance in Arkansas, barndominium policies can protect you from a wide range of risks — but they’re tailored to your specific property and how it’s used.
Here’s what typical barndominium insurance in Arkansas covers:
Dwelling Coverage
Protects the main living space from perils like fire, storms, vandalism, or water damage. This is similar to traditional home insurance but must account for steel/metal construction.
Additional Structures
Includes coverage for:
- Attached or detached garages
- Workshops
- Barns or sheds
- Storage areas
These areas must be clearly listed in the policy to ensure they’re covered during a loss.
Personal Property
Covers belongings inside your barndominium (furniture, appliances, tools, etc.).
Liability Protection
Helps if someone is injured on your property and files a claim.
Weather and Theft Coverage
Covers events like fire, hail, windstorms, lightning, and burglary — which are common concerns for barndo owners.
Barndominium Insurance Cost in Arkansas: What to Expect
Wondering how much barndominium insurance costs in Arkansas?
Several factors affect your premium:
- Construction materials (steel vs. wood)
- Location (rural properties may have fewer nearby fire services)
- Square footage and layout
- Whether it’s your primary home or secondary residence
- Use of non-residential spaces (e.g., business or farming)
On average, barndominium insurance in Arkansas ranges from $1,000 to $3,000 per year, but your actual rate may vary.
Insuring a Barndominium vs. Traditional Home
Barndominiums are built differently — often with metal siding and steel frames, and sometimes without a permanent foundation. This can make it trickier to insure unless your agent knows what they’re doing.
That’s why working with G&G Independent Insurance is key. We understand how to value, assess, and cover Arkansas barndominiums correctly — whether you’re in Bentonville, Little Rock, Fayetteville, or anywhere in between.
Things to Consider Before Insuring a Barndominium in Arkansas
Here are a few tips to keep in mind:
- Be clear about your barndominium’s use — Is it a full-time residence, hobby farm, or workshop?
- Choose replacement cost coverage — so you’re not left short during a rebuild.
- List all structures — Even if they’re attached, don’t assume they’re included.
- Disclose unique features — Like solar panels, custom kitchens, or fencing.
Build or Own a Barndominium in Arkansas? We Can Help You Insure It
Whether you’re just breaking ground or have been living in your barndominium for years, don’t leave it underinsured. Barndominiums are special — and your insurance should reflect that.
At G&G Independent Insurance, we’ll help you:
- Protect both your home and any extras (like shops or equipment)
- Get multiple quotes from top carriers
- Tailor coverage for your property use
Frequently Asked Questions
Q: What does barndominium insurance cover?
A: It covers the home’s structure, attached buildings, personal belongings, and liability — similar to home insurance, but customized for barndos.
Q: Is barndominium insurance more expensive?
A: It can be, depending on materials, location, and use. Costs vary, so it’s best to get a personalized quote.
Q: Can I insure a barndominium used as a business or workshop?
A: Yes, but you may need additional coverage if used for commercial purposes. Always disclose this during the quoting process.
Q: Do I need a special policy for metal homes?
A: Not necessarily, but your insurer must account for the non-standard construction. G&G works with carriers that do.
Get a Free Barndominium Insurance Quote in Arkansas
Protect your dream home — rustic charm and all.
Call G&G Independent Insurance today or get your personalized quote for Barndominium Insurance in Arkansas.
