Pole barn house insurance

[Callie]

I recently had a pole barn built and just converted part of it into living quarters. I consider it a home with a big garage for my toys. My insurance company does not want to give me homeowners insurance. They're quoting a building policy and then a tenant policy. premiums are ridiculous for the coverage amount. Anyone know of an insurance company that insures "pole barn houses"?

 

[Doxhog]

Who is you current insurance provider? I am with American Family and they may be able to do something for you.

 

[Callie]

Cincinnati. My agent also checked with Wayne and they were the same. They don't want to recognize it as my home.

 

[darkk]

Well, in the world we live in today it is always advisable to ask first then do. Insurance companies ****. They have shared data bases ( which I think violates anti-trust laws) to see who has what. I went through trying to buy insurance after a company cancelled us. They look up you name and BAM! there you are and all your previous insurance info for all companies. Can't get away from it. Good luck.

 

[W-Cummins]

Been there done that

I have been with allied insurance on mine for quite a few years now. At first I had to pay $$$ to another carrier as they were the only one that would insure my setup. "Normal" home owners insurance will not touch this type of deal. I think that the first guys were like $900 per year and now it's $600 or so... at the time I first got insured it would have been about $400 for a conventional home owners policy.

William....

 

[randydupree]

i live in a warehouse,same deal.
I have to have a tenet policy for the house side and a building policy for the shop side.
Its about the same price as a home owners policy.