How do you get home insurance coverage when you have a log house, wood stove, interlocking asphalt shingles and your county fire dept. is 9.7 miles?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 2, 2011

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Insurance Question from Cody, WY

Asked on 08/02/2011

How do you get home insurance coverage when you have a log house, wood stove, interlocking asphalt shingles and your county fire dept. is 9.7 miles? NULL

Answer given on August 05, 2011

The construction, fire protection and fact of a wood stove can present a problem in getting homeowner insurance. I presume you have already contacted the major insurance companies to try to get the insurance. I would recommend thata you talk to your neighbors to see where they have their insurance.You should also find a local independent agent. They represent multiple companies, and they often have access to companies who write the higher risk homes. If they cannot help you, they may be able to direct you to an agent who can access “non-admitted” companies. These are companies that write specialty insurance, usually through the excess market, like Lloyds or some other companies. They can be expensive, but at least you can get insurance coverage on your home. Being non admitted does not mean they are financially unstable. They choose to not follow local insurance rules and pay to write insurance in this manner.


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