Different companies have differing requirements. If you've tried multiple companies in your state and they're all telling you the same thing, then maybe you should listen to what they're trying to tell you. No insurance inspector wants to insure a house with construction debris stored in the yard. Reading between the lines, it sounds like your place doesn't look too good from the outside.
You say you need insurance "now". Uh, why? You need insurance if you have a mortgage, but if your policy lapses your mortgage company will issue coverage. It won't be cheap, but you'll be insured. If your mortgage is paid off you aren't required to have insurance, although you need it if you can't afford to replace your house. If you don't have a mortgage and you have money in the bank to build a house, then you can let your policy lapse.
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Today's Featured Article - A Cautionary Tale - by Ian Minshull. In the early 1950s my father bought an Allis Chalmers B and I used it for all the row crop work with the mangolds and potatoes, rolling and the haymaking on our farm. The farm and the Allis were sold and I have spent a lifetime working on farms throughout the country. I promised myself that one day I would own an Allis. That time event
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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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