hi, I am wondering what it is with insurance in this country. Maybe it is just this state. Just do things a little bit unconventional and you can not get insurance. we do not have to worry how to pay it,we can't get it. admitted, we live very rural, but we are only 2 miles from the nearest Fire department, and we do have a rather long gravel drive way. the first guy who came out (Farm Bureau) looked around, then said:" Why in the heck would anyone want to live out here"? He informed us he could not insure us, emptied his ashtray, (we found the cigarette butts and candy wrappers later) and left us, flabbergasted. we have a small house (1000 sqfeet) and a shop with two bedrooms upstairs. Post and beam, strawbale, stuccoed, metal roof. the only thing I am worried about are tornadoes, otherwhise I would not bother. a few years ago a tornado knocked our tobacco barn to smithereens. we have friends in Missouri with a similar house, but more conventional looking, farther from the firedept who had no trouble getting insurance. WE finally managed to get some through another company and lo and behold, we got papers back yesterday and it is all messed up. It describes our house as having vinyl siding, shingled roof and wall to wall carpenting. well, maybe this is a hint we should take, put vinyl siding on it..... we have a metal building to keep equipment in and for animal shelters, I don't know why that can't be insured. We talked with an agent in California and it would not be a problem there, but the cost is prohibitiv.