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Ok so we may be finally closing on our new farm this week (fingers crossed). In order to do this I am trying to find a good home/farm insurance group for coverage. Do you mind if I ask who do you guys use and what all do they include in coverage?
I have called brokerage agents, our current insurance provider and other well named insurance groups and get mixed answers.
I didn't know a log home could prove so hard to get insurance on. One place told me that it was because they burned easier then stick built homes. Then another said it was because replacement values were higher to rebuild log homes therefore a lot of places do not want to cover them. Really? I always thought log homes were better built then stick homes and that surely they would be easier/cheaper to get coverage. My current insurance seems fair but they do not really offer true farm coverage.
I did just speak to Nationwide which sounds to have great farm and home coverage and they are treating me like royalty, but I have never dealt with them before. I have no knowledge on how they handle claims etc.
Anyone with suggestions or recommendations would be great appreciated.
Thanks

I have called brokerage agents, our current insurance provider and other well named insurance groups and get mixed answers.
I didn't know a log home could prove so hard to get insurance on. One place told me that it was because they burned easier then stick built homes. Then another said it was because replacement values were higher to rebuild log homes therefore a lot of places do not want to cover them. Really? I always thought log homes were better built then stick homes and that surely they would be easier/cheaper to get coverage. My current insurance seems fair but they do not really offer true farm coverage.
I did just speak to Nationwide which sounds to have great farm and home coverage and they are treating me like royalty, but I have never dealt with them before. I have no knowledge on how they handle claims etc.
Anyone with suggestions or recommendations would be great appreciated.
Thanks