Cabin Insurance?

[virgil]

Anyone have any type of homeowner's insurance on their cabin?  I inquired with my homeowner's insurance company a few years ago when I first finished building my cabin, and they don't cover it. 

[land 1]

my ins said they would i guess the important factor is if fire trucks can get to it which they can at all times of the year. I havent got it but i think would be a good idea....by the way this was State Farm ins

[hueyjazz]

I have both my cabins covered through my homeowners plus I got an umbrella policy for liability.  Even if your land is posted you still can get sued by a trespasser if they hurt themselves.

  There's a lot of factors.  Access as pointed out, availability of water, contents of cabin, heating source and oh yeah they really took a good look at wood stove.  They wouldn't cover me for theft as it was being used as full time residence.

[Culvercreek hunt club]

1 hour ago, hueyjazz said:

 plus I got an umbrella policy for liability.  Even if your land is posted you still can get sued by a trespasser if they hurt themselves.

 

If I can ask some clarification. Even with this policy you can get sued, right?  With NY's General obligation law why would you want this policy? What protection does it give you that the NY law does not?

Edited January 29, 2020 by Culvercreek hunt club

[moog5050]

6 minutes ago, Culvercreek hunt club said:

If I can ask some clarification. Even with this policy you can get sued, right?  With NY's General obligation law why would you want this policy? What protection does it give you that the NY law does not?

Theoretically, it will cover the costs of a lawyer to defend a meritless lawsuit.

[Culvercreek hunt club]

2 minutes ago, moog5050 said:

Theoretically, it will cover the costs of a lawyer to defend a meritless lawsuit.

Ok. I get that. Thanks.