Specialist Rural Outbuildings Insurance

Protect Your Rural Outbuildings

Specialist insurance for sheds, barns, workshops, hay storage, and rural structures. Compare up to 20+ insurers in one place.

Cover for sheds, barns, workshops & storage
Compare options from up to 20+ insurers
Covers tools, machinery & contents inside
Free, no-obligation quotes

Takes under 3 minutes • No spam, ever

Rural outbuildings and farm structures in New Zealand

User

4.9/5 ★

"Professional, reliable and knowledgeable. "

4.9/5 Rating

IBANZ Member

FSP Registered

We compare options from NZ's leading insurers:

QBE Vero AIG FMG NZI Ando UAA + more

Why Rural Property Owners Choose Us

We're specialists in rural outbuildings insurance, ensuring your sheds, barns, and structures get the right cover.

RURAL OUTBUILDINGS SPECIALISTS

We understand rural outbuildings aren't one-size-fits-all. From hay sheds to workshops, machinery storage to livestock shelters, we know what cover you actually need and what you're wasting money on.

ONE QUOTE, UP TO 20 INSURERS

Instead of calling around or filling out multiple forms, we search our entire panel to find the right cover at the right price. You get options, not a single take-it-or-leave-it quote.

STRUCTURE & CONTENTS COVERED

We cover the building itself plus everything inside – tools, machinery, feed, supplies. One policy can protect your entire rural operation, with proper values for replacement, not depreciated costs.

REAL PEOPLE, REAL ADVICE

You'll talk to actual NZ-based brokers who understand rural life. No call centres, no runaround. We explain your options in plain English and help you make the right choice.

"Absolutely love these guys.... As a new business owner I have found Gerrards Brokers amazingly easy and helpful to deal with. Prompt responses from the initial quote to the finish and every time I needed assistance in between. Thankyou and a Merry Xmas to your team and all the best in future - Thanks Michal"

— Michal Kelly-Jarvis

How It Works

Get your rural outbuildings insurance sorted in 3 simple steps

1. TELL US ABOUT YOUR OUTBUILDINGS

Answer a few quick questions about your sheds, barns, workshops and what's stored inside them.

Takes under 3 minutes.

2. WE COMPARE OPTIONS

We search up to 20+ insurers to find the best cover and price for your rural structures and contents.

We do the legwork.

3. YOU CHOOSE

Pick the cover that's right for you. No pressure, no obligation.

We handle all the paperwork.

What Our Clients Say

Based on 300+ Google Reviews

"It was great dealing with Gerrards Insurance Brokers. They were very responsive and even helped provide quotations on a tight turn around time. Happy to recommend them to others looking for home insurance. "

Viliamu Powell

"Fantastic communication and easy to deal with. Saved me a lot of money and was very diligent to make sure we are comparing apples with apples. "

Janis Birch

"We had to get public liability cover at short notice. I filled in our requirements online and Reuben had everything sorted the next day. Super impressed with Reuben's service and we are very happy with the Gerrards experience. Highly recommended."

Debbie Taylor

1800+

Happy Clients Insured

4.9/5

Client rating

Common Questions

Everything you need to know about insuring your rural outbuildings.

We can insure all types of rural structures – sheds, barns, workshops, machinery storage, hay sheds, livestock shelters, garages, implement sheds, and more. Whether it's a basic open-sided shelter or a fully enclosed workshop with power, we'll find the right cover for your needs.

Yes, but you need to specifically insure them. Tools, machinery, equipment, feed, supplies, and stored materials aren't automatically covered under a building-only policy. We make sure both the structure and its contents are properly protected with adequate replacement values.

The online form takes under 3 minutes. Once submitted, we'll compare options across our insurer panel and get back to you within 1 business day with personalised quotes. For straightforward properties, we can often turn quotes around same-day.

No obligation at all. We'll present your options and explain the differences, but the decision is always yours. No pressure, no hard sell.

We work with insurers who understand rural buildings aren't always pristine. Some insurers specialise in older structures or buildings needing maintenance. Be honest about the condition in your quote request, and we'll find options that work for your situation.

Absolutely. Most rural property policies can cover multiple structures under one policy. This is usually more cost-effective than insuring each building separately. We'll help you determine the right approach based on your specific situation and the value of each structure.

Ready to Protect Your Rural Outbuildings?

Get expert advice and compare 20+ insurers in one simple quote.

Compare 20+ Insurers

Structure & contents covered

Expert advice included

No obligation quote