In Montana, wide-open spaces and hardworking hands define our way of life. But with that comes a set of risks that rural property owners know all too well—especially the threat of fire. Whether it’s from lightning, electrical issues, machinery malfunctions, or dry conditions, barn fires can spread fast and leave devastating losses behind.
As your local insurance partner, Watts & Kennedy Agencies is here to help you take practical steps to prevent fires and ensure your barn, animals, and livelihood are properly protected.
Common Fire Risks in Barns
Many barn fires start from causes that are preventable with good planning and maintenance. Key risks include:
- Faulty or outdated wiring
- Heaters or heat lamps left unattended
- Improper storage of hay, fuel, or flammable chemicals
- Overloaded electrical outlets or extension cords
- Lightning strikes in remote areas
Identifying these threats early can save both property and lives.
Protecting Your Livestock
Animals can’t dial 911. Fire protection for livestock starts with being proactive:
- Install smoke detectors and alarms—especially in areas where animals are kept.
- Create multiple evacuation routes in case of fire.
- Keep halters and leads accessible in each stall or pen.
- Label barns with emergency contact information and details for first responders.
- Train your team on fire drills and emergency plans.
Fire Prevention Best Practices
Montana’s dry conditions can turn a small spark into a full-blown disaster. Here’s what you can do:
- Schedule regular electrical inspections for barns and outbuildings.
- Store hay and fuel separately—spontaneous combustion from damp hay is a real threat.
- Keep vegetation trimmed around barns to create a defensible space.
- Use UL-rated heaters and ensure proper ventilation during cold months.
Insurance That Works When It Matters Most
Not all farm policies automatically cover barns, equipment, or livestock lost in a fire. That’s why it’s critical to:
- Review your coverage regularly, especially as your operation grows
- Ensure outbuildings, contents, and livestock are listed and valued properly
- Understand the difference between replacement cost and actual cash value
We’ll work with you to customize coverage that reflects your operation’s real-world needs—so you’re not left uncovered when it matters most.
Watts and Kennedy Agencies is Here to Help Montana Farmers Stay Ready.
Your farm is more than a business—it’s a legacy. Fire safety takes teamwork, planning, and the right protection in place. If you’re unsure what’s covered or what needs to be added, let’s talk.
We’re your neighbors. We understand Montana risks—and we’re here to help you prepare for them.