UNDERGROUND HOMES & INSURANCE COMPANIES

It would help to know where you are,but if there is a Farm Bureau near you they will insure about anything.Personally I would forget it.Good luck.

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Pro Libertate!

The State Farm insurance rep told me that they wouldn't insure my earth berm house even without a wood stove in it. 20 Min later I have insurance with another company in town and never looked back. They are out there just need to find the right one.

I agree. I grew up in an underground house with a wood stove. Farm Bureau was the only company that would insure my dad when we built and they haven't dropped him yet.

Kendall

I live in the High Peaks area of the Adirondack Mts. in northeast New York State, about 15 miles as the crow flies from Lake Champlain & Vermont and 60 miles to the Canadian border. We are being invaded by the ultra rich from New York City & New Jersey who are building "mansions" and causing our assessments to rise..I think the plan is to drive all us natives out! Anyway, I am finding it hard to find an insurance company due to the fact that their online forms & choices don't really match what I have...like one had an adobe listed as the main building material but not concrete but that was the closest choice...I'm still searching..
Layne
Layne

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I HOPE FOR THE BEST AND PREPARE FOR THE WORSE.

Funny, I don't see the words, "what if" anywhere in my post.

Let me trying repeating this. Read carefully.

Your BASIC room and contents fire can reach 1800* F at ceiling height.

BASIC. As in, nothing unusual about it.

I don't sell insurance. I do put out fires.

I'm glad to see that I am not the only one who doesn't believe in insurance.
Insurance is a socialist concept.
Take from many and give to a few
Insurance companies are not in the insurance business.
They are in the profit-making business.
Insurance is a gamble and the insurance company is the only winner

If you are just ideologically opposed to insurance, that's fine. I happen to disagree, but adults can disagree, and the risks you choose to bear yourself are your business.

What I am responding to is the notion that insurance is somehow less useful or less necessary when considering underground homes than in the case of traditional homes.

The fact, and it is a FACT whether people want to admit it or not, is that underground homes are suseptible to fire loss. They just are, and you can't wish it away.

You put out fires by careless people.Accidents don't happen,they are caused.
Self reliance does not include insurance on every breath we take.

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Pro Libertate!

They are, BUT sometimes, you are unable to control those circumstances, even with hyper vigiliance and diligence.

ex: a mouse gets in the wall, chews on wires fraying them. wires somehow spark (it happens more than you think) and ignite the insulation. Accident happens.

a child, being a child, sometimes does not always follow the rules exactly, even a near perfect child. They light a candle, (ask me how I know this one) set it on something ( a glass top table?), candle over heats , glass cracks, candle falls to carpetted floor, carpet catches fire.

You put a log in the fire place-it crackles and pops before you can get the screen closed, spark lands on something flamable, or it rolls out in a hurry because it may not be stacked right or the remnant of a log cracked beneath it.

LIghtning strikes the house-goes thru the wires and fries the electrical stuff in the house, stove, fridge stuff that you don't normally unplug in a storm.

Tornados or flat line winds do massive damage to your house and you have to live elsewhere while the house is being repaired.

Someone comes in while you are in town and takes the tools that you need to run your homestead, not cheap stuff either that you can easily afford to replace, but big ticket items-welders, air compressors, hand tools, etc. We depend on my hubby's fishing for a good bit of freezer filling-all of his fishing rods and reels were stolen. Thankfully we are covered.

My point is, I have paid the claims on all of those cases,( except mine-conflict of interest) and more like them. None of this stuff was planned and it just happened that the right set of circumstances came together to cause a problem. Not everyone can afford to make a big payout if something happens out of the ordinary, so the concept of insurance came to be. I don't believe you should be forced into it, but I do believe that people need to be realistic about what they can and can not do. Is that not why we prep and keep pantries full and homestead? That is the ORIGINAL INSURANCE, but sometimes, we need a little extra that we can't put aside ourselves for whatever reason.

I am sorry if on these insurance posts I have seemed touchy. I deal with this every day, and I try to make sure that people have what they need, not what I think they need or what the bank thinks, but to meet the real need. I am an insurance agent and have been for a lot of years, though I took 7 off to be an at home,homeschooling, semi homesteader. My hubby is a lineman, my dad was retired Navy and a farmer, and my late fil put 30 yrs in as a fireman. I see the nonsense that happens to people and how it destroys part of their lives, and figure any part of it I can stave off is a good thing.

Layne, those forms are made out for "common case" scenarios. You might have to telephone each of them personally and talk to a human and ask them if they'll insulate an underground concrete home with sod roof and wood heat.

We had a tough time finding insurance here due to various reasons. Some would not insure us because we have a wood stove, others because we are too far from the road, and there were other reasons that I've now forgotten. Keep calling, you'll find someone that will insure you.

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Our homestead-in-the-making: Palazzo Rospo
Eating the dream

I agree. Thank you for taking the time to write such a coherent, intelligent post

To GingerN:
What insurance do you represent? So far I haven't found any company..Maybe you can underwrite me a policy!! (actually I am serious, not kidding) I have about 5-6 weeks left on my original policy before it expires

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I HOPE FOR THE BEST AND PREPARE FOR THE WORSE.