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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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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