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actionshooter
Member
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# Posted: 3 Aug 2022 12:24am
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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?
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spencerin
Member
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# Posted: 3 Aug 2022 01:16am
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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 (?).
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Irrigation Guy
Member
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# Posted: 3 Aug 2022 06:26am - 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.
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Irrigation Guy
Member
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# Posted: 3 Aug 2022 06:33am
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I was a little off on the price it’s but not much
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WILL1E
Moderator
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# Posted: 3 Aug 2022 08:00am
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I'm around $350 a year for my place through State Farm.
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actionshooter
Member
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# Posted: 3 Aug 2022 09:40am
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The State Farm quote is about $1300/year for $75K coverage..
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actionshooter
Member
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# Posted: 3 Aug 2022 09:42am
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Thanks for the replies.... looks like some more shopping is in order.
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WILL1E
Moderator
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# Posted: 3 Aug 2022 10:47am
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Quoting: actionshooter The State Farm quote is about $1300/year for $75K coverage..
Yikes. Mine is for around $100k coverage.
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Thelar
Member
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# Posted: 3 Aug 2022 10:52am
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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?
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Thelar
Member
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# Posted: 3 Aug 2022 10:56am - Edited by: Thelar
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BTW - Not really to superstitious, but $666.00. Yikes! 
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gcrank1
Member
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# Posted: 3 Aug 2022 12:36pm
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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?
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WILL1E
Moderator
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# Posted: 3 Aug 2022 12:54pm
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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.
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WILL1E
Moderator
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# Posted: 3 Aug 2022 12:55pm
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Premiums are also affected by your credit and claim history (even from other agencies).
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actionshooter
Member
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# Posted: 3 Aug 2022 11:22pm
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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.
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Irrigation Guy
Member
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# Posted: 4 Aug 2022 07:08am
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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.
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Thelar
Member
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# Posted: 4 Aug 2022 11:26am - Edited by: Thelar
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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
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spencerin
Member
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# Posted: 5 Aug 2022 10:28pm
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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.....
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snobdds
Member
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# Posted: 11 Aug 2022 10:39am
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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.
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BRADISH
Member
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# Posted: 18 Aug 2022 11:36am
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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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