Show evidence of proper maintenance
Continuous masonry foundation
May be open on one side
Insured to minimum of 80% of actual cash value or 60% of replacement cost
CLASS 2
Other buildings not eligible under Class 1 or Class 2
CLASS 3
Does not contain a second floor
No regular or continuous hay storage
Fully enclosed with no open shed attached
Insured to minimum 80% of replacement cost
Not used for livestock, poultry or other animal confinement
CLASS 1
Building Class Building Characteristics
Show evidence of proper maintenance
Have an incombustible floor throughout (except for granaries and cribs)
Built on a continuous masonry foundation
Must not be mobile home or log construction more than 15 years of age
Insured to a minimum 80% actual cash value or 60% of replacement cost
CLASS 2
All mobile homes
Any dwellings not eligible under Class 1 or Class 2
All log homes over 15 years of age
CLASS 3
Evidence of proper maintenance and good housekeeping
Circuit Breakers (no fuses)
Thermostatically controlled heating
Continuous enclosed foundation (porches excepted)
Phone Service
Modern interior plumbing and electrical system (fuses acceptable)
Newer construction or remodeled inside and outside
Evidence of proper maintenance and good housekeeping
Continuous enclosed foundation
Must not be mobile home or log construction
Insured to 80% of replacement cost
BUILDING CLASS DEFINITIONS
Owner or operator occupied
CLASS 1
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