North Star CPP Outbuilding Classifications (MN)
ELIGIBLE BUILDINGS
RATES ($1,000 Deductible)
G-1 Preferred Outbuildings of Highest Utility Value
1.
2.
3.
4.
5.
G-1
Buildings of all Steel Construction.
Frame or Pole Buildings. (painted steel exterior-original
construction, maximum 25 years old)
Steel Bins with Concrete Foundation (no rust or deterioration)
Steel or Concrete Silos.
Buildings must be fully enclosed.
G-1S
1. Galvanized Metal or Metal Clad Buildings
(no rust or deterioration)
2. Private Garages - excellent condition
(asphalt shingles less than 15 years old)
3. Other Frame Buildings (Less than 10 years old)
4. Buildings Otherwise Qualifying for G-1, but not fully enclosed
Other G-1 Requirements
1. Buildings must be of superior construction, in excellent repair
and fully maintained – no visible deterioration.
2. Buildings must be fully utilized. Barns must be fully used for
livestock and livestock insured.
3. Buildings must have poles or a permanent foundation.
G-2 Above Average Outbuildings
G-2
1. Buildings Otherwise Qualifying for G-1.
2. Barns-over 1 story in excellent condition with metal roof
(must be fully utilized for livestock - significant amount of
livestock insured.)
3. Other Frame or Pole Buildings with metal roofs.
4. Center Pivot and Jet Irrigation Systems.
5. Hoop Buildings (tarps, including the end walls, in very good
condition with no sign of deterioration)
G-2S
1. Building Otherwise Qualifying for G-1S.
2. Private Garages – in good condition. (Asphalt shingles not
more than 25 years old.)
3. Other Frame Buildings.
4. Buildings Otherwise Qualifying for G-2, but not fully enclosed.
Other G-2 Requirements
1. Must be fully utilized, of good construction and receiving
required maintenance.
2. Buildings must have poles or permanent foundation.
3. Buildings with wood shingles or older asphalt roofs are not eligible.
CF-1655 (Ed. 04-15)
(per $100 of Coverage)
Under $50,000 ....................................................................
Under $50,000 with Cosmetic Damage Exclusion .............
$50,000 & Over ..................................................................
$50,000 & Over with Cosmetic Damage Exclusion ............
Silos – Steel and Concrete .................................................
Steel Bins ...........................................................................
Steel Bins with Cosmetic Damage Exclusion .....................
Base Building Charge - $12.00 per building
COVERAGES
$0.69
$0.47
$0.64
$0.42
$0.43
$0.56
$0.50
(Eff. 04-01-15)
INS. TO VALUE
1. Windstorm and Hail
2. Weight of Ice and Snow
3. Replacement Cost
(Inflation guard applies)
4. Special Form Included
90-100% or R.C.
All G-1S items except as listed below ................................ $0.77
Buildings/Metal Roof with Cosmetic Damage Exclusion .... $0.55
Base Building Charge - $12.00 per building
Outbuildings with metal roof coverings and steel bins eligible for the G-1 or G-1S class are eligible for
a reduced rate by adding the Cosmetic Damage Exclusion (caused by hail), form CF-2018. Silos are
not eligible for a reduced rate. See above rates for the discount that applies to eligible buildings.
All G-2 items except as listed below................................... $0.66
Buildings/Metal Roof with Cosmetic Damage Exclusion .... $0.48
Silos – Steel and Concrete ................................................. $0.43
Steel Bins ........................................................................... $0.54
Steel Bins with Cosmetic Damage Exclusion ..................... $0.48
Hoop Buildings ................................................................... $0.64
Base Building Charge - $12.00 per building
1. Windstorm & Hail
2. Weight of Ice and Snow
Min. 50% of R.C.
All G-2S items except as listed below ................................ $0.69
Buildings/Metal Roof with Cosmetic Damage Exclusion .... $0.51
Base Building Charge - $12.00 per building
Outbuildings with metal roof coverings and steel bins eligible for the G-2 or G-2S class are eligible for
a reduced rate by adding the Cosmetic Damage Exclusion (caused by hail), form CF-2018. Silos are
not eligible for a reduced rate. See above rates for the discount that applies to eligible buildings.
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North Star CPP Outbuilding Classifications (MN)
ELIGIBLE BUILDINGS
G-3 Standard Outbuilding Class
1.
2.
3.
4.
5.
6.
7.
1.
2.
3.
H
G-3
Buildings Otherwise Qualifying for G-1, G-1S, G-2 or G-2S.
Barns over 1 story - not meeting requirements for G-1,
G-1S, G-2 or G-2S.
Buildings with wood shingles or older asphalt/metal roofs.
Buildings not fully utilized.
Dish Antennas and Wind Generators/Towers, Wind Turbines
Hoop Buildings (tarps, including end walls, should be excluded
if not in good condition.
Fences
Other G-3 Requirements
Buildings must be structurally sound
Buildings must have utility value.
Buildings must have poles or a permanent foundation.
RATES ($1,000 Deductible)
COVERAGES
(Eff. 04-01-15)
INS. TO VALUE
(per $100 of Coverage)
All G-3 items except as listed below ...................................
Buildings/Metal Roof with Cosmetic Damage Exclusion ....
Silos – Steel and Concrete .................................................
Steel Bins ...........................................................................
Steel Bins with Cosmetic Damage Exclusion .....................
Hoop Buildings ...................................................................
Base Building Charge - $12.00 per building
$0.70
$0.52
$0.48
$0.58
$0.52
$0.70
1. Windstorm & Hail
Min. 25% of R.C.
Outbuildings with metal roof coverings and steel bins eligible for the G-3 class are eligible for a
reduced rate by adding the Cosmetic Damage Exclusion (caused by hail), form CF-2018. Silos
are not eligible for a reduced rate. See above rates for the discount that applies to eligible buildings.
Special Hazard and Low Value Outbuildings
1.
2.
3.
4.
H
Buildings insured for less than 25% of replacement cost.
Buildings must be structurally sound and have utility value.
Unanchored or Portable Buildings.
Windmills, TV and radio antennas and overhead wiring.
All H items .......................................................................... $1.64
1. Windstorm & Hail
2. Total Loss
Endorsement Applies
Min. 10% of R.C.
Uninsurable Buildings
1. Buildings of little economic value.
2. Buildings that need restrictions (shingles, paint, etc.)
3. Non-maintained buildings.
CF-1655 (Ed. 04-15)
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