Camp Insurance - The HuntingPA.com Outdoor Community
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post #1 of 30 (permalink) Old 10-12-2014, 03:08 PM Thread Starter
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Camp Insurance

A while ago there were some posts about camp insurance,etc We are looking into changing ours. Anyone have names, where we could get a quote ?? Our camp is in Clearfield Co. (Near Penfield) any help would be appreciated.

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post #2 of 30 (permalink) Old 10-12-2014, 04:07 PM
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Re: Camp Insurance

Camps can be tough to insure. I spent 30 years as an agent before retiring and did more than a few camps. I wouldn't burn your present bridge till you are sure you have new coverage in place and approved. A lot of things about many camps that make us love em make insurance companies cringe. (far from a fire station and a reliable water source, vacant for long periods, back in where nobdy can see, woodstoves for heat etc etc.) Your best bet will be the agent who has your auto and home coverage if his company or companies will do a camp . second best would be an independent agent close to the camp who deals with camps and rural properties a lot. Small town independent agents have to know how to get a camp or rural house insured if they want to be in business long.

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post #3 of 30 (permalink) Old 10-12-2014, 04:18 PM
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Re: Camp Insurance

We use Millville Mutual Insurance as our insurer.
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post #4 of 30 (permalink) Old 10-12-2014, 05:48 PM
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Re: Camp Insurance

Mill vale for me also.

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Forest county got to love it!
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post #5 of 30 (permalink) Old 10-13-2014, 11:31 AM
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Re: Camp Insurance

I'd recommend calling your current agent for your auto & home , I'd even check with different agents from same company. Work'd for me.
Have State Farm ,my agent was giving me trouble because I applied while camp is still under construction, went to another agent for same company, they said no problem.
Maybe the fact I have 4 vehicles , home owners , 2 life ,accident..., they don't want to risk losing my business.

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Leave your failures in the sand.
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post #6 of 30 (permalink) Old 10-13-2014, 01:39 PM Thread Starter
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Re: Camp Insurance



Guys, Thanks for the info One of the members, has it listed as a vacation home on his policy, some of the guys wanted to look other places, if you get my drift.

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post #7 of 30 (permalink) Old 10-13-2014, 02:28 PM
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Re: Camp Insurance

We had no problems with Centre County Mutual... we got more coverage for a lower cost. I always recommend shopping for insurance every 2 years.
http://www.centrecountymutual.com
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post #8 of 30 (permalink) Old 10-13-2014, 04:11 PM
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Re: Camp Insurance

I went through this same process not too long ago. I did ask our current insurance company that has our auto and primary residence. They were not willing to take on the cabin. I then shopped around and found that StateFarm was easy to work with and had no problem with a Cabin. I got their rates which I thought were good but through a follow-up call with the primary insurance company, they decided they would cover the cabin once they heard they may lose my business to StateFarm. It all worked out. Phone calls are cheap.

They will want to know where it is, distance to nearest fire dept, water supply, electricity, smoke/CO2 detectors, and if it will be a season property or primary residence.

Just a few calls and you can get it narrowed down pretty quickly.



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post #9 of 30 (permalink) Old 10-14-2014, 12:22 PM
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Re: Camp Insurance

Last year I switched my cabin insurance to Travelers, they were easy to deal with and the price was competitive.
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post #10 of 30 (permalink) Old 10-14-2014, 05:41 PM
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Re: Camp Insurance

One thing to watch out for is an agent who may become "creative" with identifying your cabin as something it may not be or you not telling the whole truth to an agent. You have to remember the agent doesn't pay the claim, he wants to keep you as a customer. Sometimes the company will pay the claim and go after the agent, sometimes they will deny the claim and you may have to go after the agent.
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