Thats easier said than done, and believe me, I tried. All State, and most of the others, wont cover us due to our dogs.
Dogs?
That's a new one on me. I don't have any dogs now but had dogs most of my life. It never came up as a problem for homeowner's insurance.
I wonder what some of those insurance companies would say about these Poodles in the back yard?
Something else that never comes up is the shooting range in the back yard.
Are we comparing typical "home owners" policies here, or something else too? You mentioned a business loss in one of your posts.
Yeah, just typical homeowners insurance.
In the past storms and fire the barn and "shops" (just more or less work shops) were also covered by the house insurance because they are "attached" to the house. The insurance companies said just having a water line or electric lines from the house to the barn and shops made them "attached", so covered by the home insurance.
The "shop" that was first stormed damaged, then later burned to the ground, was my gun/reloading building, not a business.
The insurance company bought me a $5,200 Morgan building to replace a very old $500 Wards tin building. The Morgan building is on the left in this picture.
The barn roof was tore up three times. The adjuster said, "No offence, but if the barn is hit again I hope it totals it. It would be cheaper for us to build you a whole new barn, than to keep replacing the roof".
I suppose another question would be, what does it cost for a policy like that?
I'm pretty under-insured but I guess the rate is about normal.
$911/year, with a $854 deductible.
House $90,000
Other structures $8,500+
Personal property $49,000
Liability, etc $300,000
Full replacement coverage. I actually made a bunch of money when my shop burned but lost such as Wedding pictures, military records, etc, so, of course the money wasn't worth the loss.