You will not find a homeowner's policy that excludes fire coverage for the simple reason that fire is the greatest risk for your home. And you will have a hard time getting an umbrella policy without first having homeowners's insurance.
You get insurance to cover losses you can't afford. If you can truly handle the loss of your home (plus demolition costs) and you have liability coverage on all your rentals, then "self-insuring" may be an option. But you need to seriously consider the worst-case scenario. A lot of retired folks let their homeowners insurance lapse to save money, only to find themselves without a place to live after their homes are gutted by fire.
Shop around some more and see what you can do to get your premium down. Raising the deductible can help. What kind of roof do you have? In most parts of the country, a house with a shake roof is almost uninsurable. Re-roofing with a fire-rated material can make a big difference.
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Today's Featured Article - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
... [Read Article]
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1964 I-H 140 tractor with cultivators and sidedresser. Starts and runs good. Asking 2650. CALL RON AT 502-319-1952
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