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underground house home insurance.

 
Dave Lotte
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Hello all.

I have set my current house insurance agent the task of finding me someone who will insure this Hobbit style home.
Now, since the banks wanted nothing to do with building it, i am not holding out any hopes that the current insurance companies frame of mind is ready to handle this kind of home .

So, know of any insurance companies that deal with underground / earth sheltered homes ?

Build it because they say you can't.
18 different architect's that said " you can't do that "
Google " undergroundandlovinit "

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Permies thread of the build: https://permies.com/t/180629/Hobbit-Home-Progress

 
Mike Haasl
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Was the design signed off by an engineer?  That might help/hurt your search.

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John F Dean
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To add to Mikes’s question, was a building inspector involved?  

Also, there are policies for “vacant lots”.   Some “vacant lot” policies include existing out buildings. Depending upon how much you want insured, this may work.

Various policies have odd twists to them. My homeowners insurance includes unattached land, for example … even if the land is in another state.  A good insurance agent should be able to walk you through the maze.

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Dave Lotte
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Mike Haasl wrote:Was the design signed off by an engineer?  That might help/hurt your search.



Signed off by the engineer and fully inspected every step of the way.

Just .... not holding my breath.

Build it because they say you can't.
18 different architect's that said " you can't do that "
Google " undergroundandlovinit "

 
Douglas Alpenstock
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I have no doubt someone will take your money, but I think you'll have to shop around quite a bit. The engineer's stamp and inspection sign-offs are absolute gold.

The question they will ask is, what exactly are we insuring? How much will it cost to replace? This causes endless confusion in the residential insurance realm -- it's not a Number 7 with vinyl siding. And yet industry insures all sorts of underground vaults etc. but of course those are reinforced concrete.

Regardless, insurance will of course insure the contents of the home. For more, shop around. Luck!
 
Dave Lotte
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Douglas Alpenstock wrote:I have no doubt someone will take your money....



Hope to find someone who is living or has lived in this type of home....

Build it because they say you can't.
18 different architect's that said " you can't do that "
Google " undergroundandlovinit "

 
Emma Brady
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Hi, was able to get insurance through Loyd’s of London on my earth berm house
 
Dave Lotte
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Emma Brady wrote:Hi, was able to get insurance through Loyd’s of London on my earth berm house



Where are you located ?  I have to go through an intermediator.

Thanks for the info,  i am looking into it.

Build it because they say you can't.
18 different architect's that said " you can't do that "
Google " undergroundandlovinit "

 
Karen Lee Mack
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You may want to think about what it is you really want insured.
Perhaps you already have, but, for example, if you really need the
contents insured more than the building, that may be easier and cheaper to accomplish.
Also what are you insuring against? Fire, flood, etc. Some dangers may be less
expensive than others depending on location.
Finally, how much is the point at which you are better off just
saving the money rather than buying insurance?

~Karen Lee Mack
Moving to south Georgia FALL 2024!!

 
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