Another insurance question...

[Chenango Dave]

Does anybody know of an insurance company that will insure a camp against vandalism or theft? I went to get insurance on my camp and was told by home insurance carrier that they absolutely would not protect against vandalism or theft. Only for fire and structural damage due to weather, trees and what not. I can get liability insurance, but I want to also be covered for vandalism and theft.  My camp is 1/2 mile off the closest dirt road with only 1 entrance and no electric. I do go and check on it quite often but I would like to be covered in case something did happen. Anybody have any experience with this, or what other options i have?

[jrm]

I can't point you to a specific company/policy, but can offer an idea.

 

If you live downstate (or in a city/suburbs) your homeowners insurance company or local agent will likely by useless. They are very good at insurance for the burbs for city, but not for rural areas.

 

Look for an agent somewhere near your camp. These folks generally know and are better able to deal with the needs of the "rural" property owner.