I don't believe companies are allowed to write policies in the admitted market without fire coverage. You might have to have your agent find something in the non-admitted market or Lloyds, but you won't be saving much money, if you can even find it. The fact that you have brick veneer means nothing, there's frame under that brick, unless you have a masonry building with brick covering it. Fire is still the #1 cause of loss on property insurance, to go with out is, frankly, foolish. If you want to save some money talk to your agent about bare bones coverage with a high deductible (you obviously think you can afford a total fire loss on your own, so you can afford to pay a high deductible or losses from the ancillary coverage that don't have high frequency of loss).
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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