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Join Date: Feb 2001
Location: Cumberland County 5A
Re: Camp Insurance
Went through that haggle with Liberty Mutual many years ago, because my parents listed the distance from the nearest VFD at 9 miles. At the time, they had LM for their homeowners and a separate policy for the cabin.
The actual distance is about 7 miles. BUT since most of that is good, paved road and traffic is non-existant, the VFD response time to where the cabin is, can be measured in less than 15 minutes. Shanty is only about 100' from the twp. gravel road, 3/8 mile from the paved road on which firetrucks can roll quickly coming from town.
Insurance companies should realize that distances out in the country aren't the same as distances in populous areas, for several reasons. No traffic jams to deal with; Few, if any red light intersections; People still have sense enough to yield to emergency vehicles, etc. So they get there very quickly, compared to congested areas.
LM would not continue the policy when I bought my mom out and the cabin became mine alone, so I went with Erie. No problems so far, all these years later. I now have all of my insurance with Erie. Used to have policies with LM, Erie and Allstate.
Told the agent what the actual distance is and that response time is "real world", since the last two times the VFD came up for vehicle fires (one Freightliner truck in driveway, one farm tractor out in a field), it took 'em less than 15 minutes to arrive and extinguish each fire. Two firemen showed up with the firetruck to put the tractor fire out, had it handled within minutes of pulling in.
Last time there was an actual structure fire in the area, half dozen guys showed up with the truck and knocked it down within a half hour.
Erie wanted to know my heat source, so it's listed as baseboard elec. w/wood heat backup. I told them about the 10' of SS double wall chimney and heat transfer protection on floor/wall, so no problem.
My policy is sort of a "rider" on my homeowner's policy for where we live and costs me less than $400 extra per year, with a million dollar liability and "dwelling" replacement cost, etc.
Some folks' learnin' curves just look like circles...3A Camp/also hunt 4B