[TheForge] Home Owner's and Shop Insurance

[dann at wctatel.net]

Danr,

Perhaps 7 years ago,  I had my farm mutual insurance agent tell me that my
 policy wouldn't  cover my quonset / shop building if I was doing
"blacksmithing".
I shook my head trying to figure that out.  A huge percentage of  of the
farm shops here, have electric welders, acetylene torches, many also have
an anvil or two and a  forge.  My insurance company routinely covered farm
shops, with all the above items.  So if I called it a farm shop, I could
have coverage, but if I called it a blacksmith shop, there was no
coverage.

Dann


> 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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