Mary Carrot

Thank you for the helpful info. I was feeling discouraged but this gives me hope. I do feel like it would be a good thing to have. They want everyone to be more energy efficient and have less carbon impact, etc., and then they penalize you for actually doing it. Frustrating. I have heard of water pipes being a big one for claims though. We actually put in a drain in our floor that connects to our foundation drainage that daylights out down the hill "just in case" we ever had a pipe go when not home. So that's good! Maybe I could tell them that and save myself some money! haha! But seriously, the house itself is pretty safe from a claims standpoint. We don't even have a furnace or fireplace. I guess I'm most concerned about the solar system, with lightening and wind.... I feel like the storms we get are wicked sometimes! I'm probably overly cautious. lol.


Thanks for the help, I'm going to look up those sites you provided!

Mary

We put everything Into this place. I'd hate to lose everything if there was a tornado or something terrible.

I did contemplate not having any. Im not too concerned about fire with the house, I guess I'm more worried about the solar system and lightening or something crazy happening to the system. It's a huge investment.

Hi there, my name is Mary. I live in a beautiful off grid home in rural New England. I'm hoping to connect with others who live off grid and have experience with what I'm going through. I'm looking for advice on insurance companies that provide homeowners insurance for us. Our house is new, build last year. Super energy efficient and fire proof, (it's an icf house)... But our insurance company won't insure us! They said " the location of the house is seasonal and road not passable during extreme weather."... I'm really pissed about this!! We live .9 mile from a street with other houses!! Our road certainly IS passable, as I drive it every morning to bring my children to school! Yes, we live in a DIRT road, but so does almost EVERYONE out here in the country.! So I don't know what to do. . I tried calling another company and they said they probably cancelled us because we were off grid but didn't want to say that. Does anyone have any suggestions for insurance? One company said they'd insure us, but it was like 2000 dollars which is absurd compared to the 800 bucks I was used to before we build this new house. Any ideas on who to call? Luckily we own the house, so we have a little time here without a mortgage company freaking out on us.

Mary-