Island home insurance

CowTimes · 02-12-2024, 02:12 PM

Quote:

Originally Posted by codeman671

Who is everyone using in the area for State Farm? I wonder if I should shop mine.

We used Shannon Greenwood out of Tilton. https://shannon-greenwood.com/

Our island property is the only thing we have through State Farm, so no bundling seems to be required.

Descant · 02-12-2024, 03:52 PM

If your boat is at the dock or on the trailer, and somebody steals your tool box, is it covered under your home insurance? Boat? Camp? "Who ya gonna call?" Extending liability coverage for a second location or a small boat from your primary home policy is relatively cheap, better than having separate policies. At least, one agent should know all the risks and set up coverage accordingly even if you buy from others. I sold for a direct writer for 25 years and covered second homes in MA, FL, ME, AZ, etc. and cars for college students all over the place since they were still part of the household. I know laws have changed since I retired years ago, but the principle of coordinating coverage is the same. And some companies don't want or are not underwriting certain risks like your 75 mph GFBL or a permanently sited mobile home.

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The Following User Says Thank You to CowTimes For This Useful Post:
ishoot308 (02-12-2024)

02-12-2024, 03:52 PM	#2
Descant Senior Member Join Date: Mar 2006 Location: Merrimack and Welch Island Posts: 4,594 Thanks: 1,417 Thanked 1,704 Times in 1,108 Posts	If your boat is at the dock or on the trailer, and somebody steals your tool box, is it covered under your home insurance? Boat? Camp? "Who ya gonna call?" Extending liability coverage for a second location or a small boat from your primary home policy is relatively cheap, better than having separate policies. At least, one agent should know all the risks and set up coverage accordingly even if you buy from others. I sold for a direct writer for 25 years and covered second homes in MA, FL, ME, AZ, etc. and cars for college students all over the place since they were still part of the household. I know laws have changed since I retired years ago, but the principle of coordinating coverage is the same. And some companies don't want or are not underwriting certain risks like your 75 mph GFBL or a permanently sited mobile home.