[TheForge] Home Owner's and Shop Insurance

[Ries Niemi]

I have never heard of homeowners that ALSO covers a business.
I have 2 policies.
One for the house- thats homeowners.
And a business policy for the outbuildings, tools, and liability.
Yup, its more expensive, but its the only way I could find to do it.
Every insurance company I contacted refused to cover barns with businesses in em. 
Of course, my case is more obvious, I have a bunch of buildings, at least 5, that are business, and my business is my and my wife's sole income, so we cant exactly hide it.

ries


On May 2, 2012, at 6:34 PM, Daniel Kretchmar wrote:

> 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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