We relocated 4 yrs ago. I had the foundation poured the year before for our new cabinet/woodworking shop. We had always planned on having a separate house but for too many reasons to list we decided to add a second floor over part of our new shop building and locate our residence there. This change came literally as I was building the new shop, it was a chaotic summer and we didn't really have time to think about things like insurance. As it turns out insurance has become the hardest part of the whole process.
We were able to get liability insurance but because we have a commercial cabinet shop we are having trouble finding affordable insurance that will cover both our building and residence. Part of our problem is we don't, and don't want to, work full time. We stay busy with the cabinet shop about 1/2 the year which makes it even more difficult to justify what we consider to be exorbitantly priced insurance. Another problem is our property is extremely rural. We are located, according to the all knowing google, 7.3 miles from the nearest fire station. One insurance company's cut off distance is 7.0 miles.
We are wondering if there are any others of the SMC collective who find themselves in a similar situation and what you do about it?
Thanks for any insight/suggestions.
Tim