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Small Cabin Forum / Properties / Anyone carry full coverage insurance?
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actionshooter
Member
# Posted: 3 Aug 2022 00:24
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Trying to get insurance that covers theft and fire on my off grid cabin and the answer has been a flat "no" or it was so expensive... it was crazy..

Just liability is doable but anything more has been a no go...
anyone else have coverage that covers the cabin? Who are you with?

spencerin
Member
# Posted: 3 Aug 2022 01:16
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"Expensive" is relative to a degree. What are you being quoted for full coverage, and what's the value of what's being insured?

I'd start with Farmers, Shelter, and American Standard (?).

Irrigation Guy
Member
# Posted: 3 Aug 2022 06:26 - Edited by: Irrigation Guy
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I got insurance from American Modern through the local Allstate agency. If I remember correctly it’s around $500 for the year.

Irrigation Guy
Member
# Posted: 3 Aug 2022 06:33
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I was a little off on the price it’s but not much
38191BA5FF994159B.jpeg
38191BA5FF994159B.jpeg


WILL1E
Moderator
# Posted: 3 Aug 2022 08:00
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I'm around $350 a year for my place through State Farm.

actionshooter
Member
# Posted: 3 Aug 2022 09:40
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The State Farm quote is about $1300/year for $75K coverage..

actionshooter
Member
# Posted: 3 Aug 2022 09:42
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Thanks for the replies.... looks like some more shopping is in order.

WILL1E
Moderator
# Posted: 3 Aug 2022 10:47
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Quoting: actionshooter
The State Farm quote is about $1300/year for $75K coverage..

Yikes. Mine is for around $100k coverage.

Thelar
Member
# Posted: 3 Aug 2022 10:52
Reply 


I have State Farm also. My premium is on par with Irrigation Guy. A couple of thoughts. Just like Irrigation Guy is your quote for seasonal occupation? Not a primary residence. You didn't mention what state your cabin is in. Could that be a reason for higher premiums? I also get several discounts because I have multiple lines of business with State Farm. You maybe able to take advantage of that with your auto/home/life provider. You could use Irrigation Guy's policy info for coverages with your properties info to get another quote and compare apples to apples?

Thelar
Member
# Posted: 3 Aug 2022 10:56 - Edited by: Thelar
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BTW - Not really to superstitious, but $666.00. Yikes!

gcrank1
Member
# Posted: 3 Aug 2022 12:36
Reply 


666, Thats scary!
We have Heritage here in WI, they cover the cabin But Not if wood heat.
We have a rider on our home owners/auto bundle for liability, theft, etc, not full coverage yet. I think I need to change that.... Cost for the rider is about $160/yr?
Shop around? For Sure!
I sometimes suspect that 'agents' pad the premiums for higher commissions. Maybe call another SF agency for a quote?

WILL1E
Moderator
# Posted: 3 Aug 2022 12:54
Reply 


I am in Wisconsin. Mine is not listed as seasonal and I do have my primary home, auto's, atv's, etc. with them as well. Primary reason i went with State Farm is they will cover everything (home, auto, motorcycles, campers, vacant land, etc.).

I have yet to do a claim with them (knock on wood) so i can't attest to their support during that process.

WILL1E
Moderator
# Posted: 3 Aug 2022 12:55
Reply 


Premiums are also affected by your credit and claim history (even from other agencies).

actionshooter
Member
# Posted: 3 Aug 2022 23:22
Reply 


I actually looked back and State Farm told me no... it was Allstate going through Modern that is $1300 for $75K coverage...
I'm in Washington and have primo credit and no insurance claims,

I am being told it's because we don't have power, water, kitchen ect... it's a dry cabin.. thus they cannot insurance it a residence, which is where the cheaper rates come into play.

Irrigation Guy
Member
# Posted: 4 Aug 2022 07:08
Reply 


I think one of the big things that helped me was that my cabin has the direct vent gas stove with a thermostat for heating. They were very concerned that it not be heated with wood.

Thelar
Member
# Posted: 4 Aug 2022 11:26 - Edited by: Thelar
Reply 


Quoting: Irrigation Guy
I think one of the big things that helped me was that my cabin has the direct vent gas stove with a thermostat for heating.


That was the first thing my SF agent asked me is does the camp have a heating source. I too had a direct vent wall mounted gas heater. My camp is on 6x6 posts on concrete cookies, and they insisted that I put up skirting around the exterior to keep critters out. I put up lattice and that was good enough to satisfy the request.

I found this off grid insurance site and it has a good explanation of options. Down in the article there is a "coverage" link that explains the different coverage options for insurance. It seems like HO-1 is the type of policy you are looking for? It also made a point of saying some companies might allow you to use a "add-on" for your seasonal property to include it on your primary home policy. Might be worth a read.

URL Understanding Off-Grid Home Insurance

spencerin
Member
# Posted: 5 Aug 2022 22:28
Reply 


actionshooter, not saying that's not true, but that doesn't make sense. No power, no water, not a livable structure means less liability to them, seems like the rate should actually be lower. But, no insurance expert here.....

snobdds
Member
# Posted: 11 Aug 2022 10:39
Reply 


Damn, I wish mine was that cheap. I am in Wyoming, in the middle of a national forest, that has huge exposure to forest fires.

I had to build using all composite exterior materials. Metal roof, cement siding, composite decking on the decks etc. I'm on concrete piers, but I still put gravel and rock about 30 feet all the way around the cabin.

I have a wood stove and it's the primary heat source.

I do have fire insurance as well as coverage for UTV, Backhoe, miniex etc.

It's expensive. Consider yourself lucky on any premium less than 1k.

BRADISH
Member
# Posted: 18 Aug 2022 11:36
Reply 


I just got a quote from Country Financial for $225K for $680/yr. I have no other policies with them, so no discounts. I went to a broker for this, so it seems to be a good deal compared to what I'm seeing here.

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