I am trying to find an insurance company that will write an insurance policy on a very special home. It is way out in the middle of no where. They run on generators not normal electricity. They might have a well but more than likely they haul water in to the property. It is a small house that was more than likely not built to standard. It is on 43 acres and is about 3 miles away from a volunteer fire department. Does anyone know of an insurance company that will write insurance on this home? The home is located in northern Arizona. Thanks a bunch!!

The risk cover rate is fantastically high and will not be worth the investment. After all Insurance Companies are there to make money, not donate their savings..

Firemans Fund isn't going to touch this, IMO.

You CAN get property coverage. It's NOT going to be a standard homeowners. My guess is, the CHEAPEST way to do this would be through your state FAIR plan.

If you don't want the state fair plan policy, or if they've already turned you down, you can probably STILL get coverage, but it's going to be mongo, mongo expensive - like in the thousands of dollars, with alarm requirements, and lots of exclusions.

Bottom line - you're going to have to use a local agent anyway, so start shopping for a new local, independent agent.

I'm sure there are some companies such as Fireman's Fund Insurance etc... that will cover it however the premiums will be very high. It may not even be cost effective to even insure it. The best thing to do is contact a local homeowner's insurance agent who can help you with the details.