Insurance for Unpermitted House

[mary]

Wondering if anyone out there owns an unpermitted house and if you have been able to get home policy insurance on it and if so, who is your agent to call? could you please give a name of the insurance agent?

Mahalo,
Mary

[Seeb]

The question is we they pay any claims

[Bullwinkle]

I cant remember ever being asked if the construction was permitted

..claims involving electrical fires would be the thorny issue I would think

[Rob Tucker]

The insurance company can and will look up the count stats on the property.

[PauHana]

"Posted - 04/16/2014 : 14:08:01 Show Profile Email Poster Reply with Quote
The question is we they pay any claims"

Exactly! They will probably take your money,but only pay for damage to the permitted part, or even worse use "unpermitted" as an excuse to pay nothing.
A good part of homeowners insurance is to protect you against lawyers not fires that part may still work.
Put all the facts in writing to the agent with his response so they know exactly what you have and they are covering.
Getting a policy is not the same as being covered.
Like health insurance that doesn't cover illness.

[Tink]

I have an Ag policy that covers me from a dumb... trespasser falling and hurting himself along with an "outbuilding" theft policy that covers my "equipment" within. That's the best my agent would go on a limb for. Would be hard to prove anything beyond tools and office equipment (computers,tv monitors, break room fridge, etc.)no personal items on a claim.

Are you a human being, or a human doing?

[maud gonne]

After much searching, I could not get homeowner's for my (unpermitted) house, but was able to get liability insurance which gives a little peace of mind. If, as the earlier poster said, someone gets hurt on your property you (theoretically) are covered if sued.

[Hotzcatz]

According to most banks and other establishment sorts, unless it has a building permit, it doesn't exist.

---

"I like yard sales," he said. "All true survivalists like yard sales."
Kurt Wilson

[ericlp]

Actually you can insure sheds and outbuildings so it's not true. If you google it, there plenty of cabins on the mainland that are getting insurance. To me tho, I think just socking that money away in another account that you would normally pay for insurance as a backup in case your cabin burns down you'd probably have enough saved in 10-20 years to build a new one. Insurance is a scam. Just think of all the $ being saved for no mortgage and compound interest going to the banks (yet another scam).