Farm buildings
Barns, outbuildings and other farm structures.
Farm and Winery Building Insurance in California
Barns, winery buildings and farm structures in fire country can go on the California FAIR Plan commercial fire policy. It covers the buildings, not crops, livestock or equipment.
Licensed in California
Menlo Insurance Services is the filed name of Opero Labs Inc. California license #6020106.
Eight brokers, one team
Our eight brokers work together as one Menlo team, so you can reach a person who understands your account.
Independent brokerage
We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.
What the FAIR Plan writes on a farm
Wineries
Winery buildings, their contents and the income they earn.
Not crops or animals
Crops, livestock and farm equipment are not eligible on the FAIR Plan.
Up to $20 million per building
And up to $100 million per location.
Buildings, not crops
Can be insured
- Barns and outbuildings
- Winery buildings
Production, storage and tasting buildings.
- Business personal property
With peak season limits for harvest and inventory.
- Business income
Lost income while a covered loss is repaired.
Not eligible on the FAIR Plan
- Crops
- Livestock
- Farm equipment and vehicles
FAIR Plan limits
- 01
Per building
Up to $20 million.
- 02
Per location
Up to $100 million.
- 03
Deductible
$500 to $75,000, or 1% to 15% of the value.
Peak season and harvest
A winery holds far more in the weeks after harvest. The FAIR Plan can raise the contents limit for those dates.
Peak season property
A higher business property limit between the dates you choose.
Business income
The income you lose while a covered loss is repaired.
Photos and a diagram
A photo of each building and a diagram of the property.
What to have ready
- Each building's address and use
- Construction, year built and square footage
- Building and contents values
- Peak season dates, if any
- A photo of each building and a site diagram
Related requests
California FAIR Plan
Every FAIR Plan policy, from homes to commercial buildings.
Commercial property
Other business buildings, owned or leased.
Home in a fire area
The farmhouse you live in, on the FAIR Plan with DIC.
What sets the price
- Construction class
- Building values
- Distance to fire protection
- Sprinklers
- Deductible chosen
Questions we get asked
Does the FAIR Plan cover crops or vines?
No. Crops, livestock and farm equipment are not eligible. The FAIR Plan covers the buildings and the business property inside them.
What perils are covered?
Fire, with extended coverage, vandalism and sprinkler leakage optional.
What deductibles are there?
From $500 to $75,000, or 1% to 15% of the value.
Does it include liability?
No. The FAIR Plan insures property only. Liability is a separate policy.
Can you write this where my business is?
We are currently licensed in California only. Start a quote if the business or risk is in California, and we will confirm eligibility before you spend time on it.
What happens after I start a quote?
Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.
Review your coverage options.
A licensed broker can review eligibility and policy terms with you.