[TheForge] Home Owner's and Shop Insurance

[williamsiron at comcast.net]

Dan, 



You could check with the ABANA policy which is done through The Hartford. It's a general liability policy that will cover replacement of your barn. There is usually an ad in the current Anvil's Ring. There could be something on the ABANA website. The agent  is ICC. I don't have the phone numbers at hand. 



Mark Williams 

Snow Hill, Maryland 





----- Original Message -----


From: "Daniel Kretchmar" <dan at irontreeworks.com> 
To: "Blacksmithing List Sponsored by ABANA" <theforge at mailman.qth.net> 
Sent: Wednesday, May 2, 2012 9:34:31 PM 
Subject: [TheForge] Home Owner's and Shop Insurance 

Good evening, 

Can anyone recommend a good insurance company for home/shop/barn insurance 
for a part time/hobby blacksmith?  I recently had a problem with American 
family trying to cancel my home owners policy because: 
A. My corrugated steel pole barn had a solid fuel heating device that is 
not UL listed and was not installed by a licensed contractor.     (Anyone 
know a licensed forge installer?  :) 
B. My barn is used for a business. 
C. My firewood was too close to my shed (it leans up against the shed) 
D. I had "metal debris" lying round the outside of my barn.  I had to 
explain that the "metal debris" was actually failed oxygen tanks that I 
make into bells. 

They eventually said okay, but the agent explained that if I am robbed or 
if the barn does burn down, the company can refuse to pay since I was 
running a business in my barn.  I need home owners insurance, but if I am 
paying for it, I want it be real.  I want them to pay for a new barn if 
mine burns down.  Any one have a recommendation? 

Danr 
-- 
"Estattu alvarligt, nei?" 
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