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ThruTraffic

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Posted: 11/07/19 11:52am Link  |  Quote  |  Print  |  Notify Moderator

I’ve purchased a property in North Carolina that has a huge garage on it. I got it for RV storage of personal items like tools and equipment and also for living quarters when I’m not traveling where other personal items will be left. I’ll be selling my home.

I’ll do the traditional stuff like alarm security services, cameras, lighting, etc. that’s easy stuff.

What I’m hoping to get from this thread is information to help me find appropriate property and liability insurance; traditional others are using but also out of the box solutions that might be available. (My current homeowner’s agent at State Farm pretty much laughed at me.)

Looking forward to your thoughts.

Etstorm

Frankston,TX

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Posted: 11/07/19 12:49pm Link  |  Quote  |  Print  |  Notify Moderator

I would look for a new agent!

Plenty of carriers who would insure

doxiemom11

Somewhere between MI and TX

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Posted: 11/07/19 01:16pm Link  |  Quote  |  Print  |  Notify Moderator

Yes, new agent. When I worked/sold insurance for State Farm in another state, we would have insured that for you as long as the building was in good condition and you took the security precautions you noted. You will need a N Carolina agent though.

ItsyRV

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Posted: 11/07/19 10:37pm Link  |  Quote  |  Print  |  Notify Moderator

Not sure if you plan to convert part of the barn for residential use or if you're saying you plan on living in the RV when not traveling. Also what is this part about other people's belongings will be left?


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ThruTraffic

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Posted: 11/08/19 05:02am Link  |  Quote  |  Print  |  Notify Moderator

To itsyrv: no one else’s belongings will be stored there. Poorly worded sentence.

I didn’t think a standard homeowner’s policy would be used to cover this type of situation which is what I think scared off the SF agent.

JIMNLIN

Oklahoma

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Posted: 11/08/19 05:54am Link  |  Quote  |  Print  |  Notify Moderator

Any insurance agent may laugh at you depending on which part of town or area within a county your wanting that type of insurance coverage.
Generally if its a city type location costs may be just a arm and a leg but if its rural property with no one around it may cost both arms and a leg.


"good judgment comes from experience, and a lot of that comes from bad judgment" ............ Will Rogers

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sayoung

Tx

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Posted: 11/08/19 06:43am Link  |  Quote  |  Print  |  Notify Moderator

Etstorm wrote:

I would look for a new agent!

Plenty of carriers who would insure

X2
I have SF and keep my rv at our acerage.. My agent just added the location on my homeowners policy. I do have a rv and umbrella liability policy also. Your state may require a different policy on your building & land. I can get a separate policy he calls a " farm " policy that would give me more coverage out there

DownTheAvenue

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Posted: 11/08/19 07:24am Link  |  Quote  |  Print  |  Notify Moderator

You need to shop around and talk to many agents, but be sure they have discussed this with an underwriter. Look carefully at the policy. Many will exclude property damage coverage for any structure not inhabited for 30 days. You should be able to get coverage, but probably from an independent agent, not one who is captive to a national brand.

johnhicks

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Posted: 11/08/19 11:33am Link  |  Quote  |  Print  |  Notify Moderator

Try Foremost. You'll need fulltimers insurance and they can probably add the building. I had a deck and shed added to my Foremost policy.


-jbh-

ItsyRV

Desert SW

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Posted: 11/08/19 11:50am Link  |  Quote  |  Print  |  Notify Moderator

ThruTraffic wrote:

To itsyrv: no one else’s belongings will be stored there. Poorly worded sentence.

I didn’t think a standard homeowner’s policy would be used to cover this type of situation which is what I think scared off the SF agent.

I'm still trying to figure out the arrangement.

Is the property just going to be used for storing the RV when not in use?
or
Is the property going to have a residential unit added for you to live in when not using the RV?
or
Are you planning on living in the RV at the property when not traveling?

The first should be no issue for an insurance company, but the other two could present problems if not presented correctly to the agent.

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