Ottakee Posted March 12, 2009 Share Posted March 12, 2009 I have to call around today for insurance quotes. We are starting a barn by next week. We will be moving our horses home in a few weeks--hence the need for more liability. What do I ask? How do you know if they will really pay up if something terrible happens? This is what we have to insure: our home--5 bedroom, 2 bath bilevel--need replacement cost on contents and structure and rental coverage if the house burns and we need a place to live 1999 diesel suburban--need full or limited coverage 1995 gas suburban, limited or PLPD 2000 mini van--plpd 1992 cadillac--plpd 1995 Shasta 27 foot travel trailer 1995 stock horse trailer (not sure we need extra on this) 2006 KTM dirt bike--is street legal so need insurance Then a 40x48 barn with 3 horse stalls and loft liability--likely a 1 million dollar umbrella policy Is it better to split off my vehicles from the house/barn/liability or stick with the same company for all of it? Do you go with a local independent agent or a bigger name (State Farm, Farm Bureau, Allstate, Liberty Mutual, etc)? Give me all of your best ideas here--to save money but make sure we have enough coverage. My dh was a fire fighter and said that several times he ran into families that thought they had enough coverage but found out they didn't. Quote Link to comment Share on other sites More sharing options...
TraceyS/FL Posted March 12, 2009 Share Posted March 12, 2009 I would use an independent agent and let them shop around for you. Wait, maybe Farm Bureau - start there! But the best policies like that i've experienced have come from independents. Allstate just applied for and was granted a Florida pull out, they won't be selling anything here now. Do check the ratings on any companies offered. I have a 94 diesel suburban that needs an engine - want it? LOL!! Quote Link to comment Share on other sites More sharing options...
Ottakee Posted March 12, 2009 Author Share Posted March 12, 2009 If you weren't so far away from Michigan, my dh would make a road trip for a diesel suburban. He is a mechanic so he can fix things like new engines, etc. We have only seen 2 others in the years we have had ours. We have the 2500 (3/4 ton) and it pulls like a dream. I have a 94 diesel suburban that needs an engine - want it? LOL!! Quote Link to comment Share on other sites More sharing options...
TraceyS/FL Posted March 12, 2009 Share Posted March 12, 2009 Mine is a mechanic too.... and hasn't done anything with it. We used it to move here from CA - 3 trips across. Come on now - don't you want to drive down and go on vacation to Disney? Visit some horse farms in Ocala? LOL! I know he could sell it if he put ANY effort into it.... Quote Link to comment Share on other sites More sharing options...
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