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Island Dweller · 10-04-2007, 01:29 PM

Obtaining Island insurance is definitely one of the more aggravating ordeals but don't let it take away from your enjoyment of your new vacation home. Did you find that companies wouldn't give you insurance because of the fact it was on an island, or because of your heating source? Again, I recommend giving Allstate a call. I already had boat & snow mobile insurance through them and I even changed my primary NH residence to Allstate because of the money savings. As I mentioned earlier, just adding a few heat strips in the home (it's a log home) qualified me for their homeowners insurance with a huge savings over what I was paying through Avery, so it was a no-brainer. I do remember being told that there was something new in NH insurance policies where as the company had to pay replacement value no matter what the total cost is, and now there are specific dollar amounts on the policies.(as of October 2007).

10-04-2007, 01:29 PM	#37
Island Dweller Junior Member Join Date: Sep 2007 Posts: 3 Thanks: 0 Thanked 0 Times in 0 Posts	Island Insurance Obtaining Island insurance is definitely one of the more aggravating ordeals but don't let it take away from your enjoyment of your new vacation home. Did you find that companies wouldn't give you insurance because of the fact it was on an island, or because of your heating source? Again, I recommend giving Allstate a call. I already had boat & snow mobile insurance through them and I even changed my primary NH residence to Allstate because of the money savings. As I mentioned earlier, just adding a few heat strips in the home (it's a log home) qualified me for their homeowners insurance with a huge savings over what I was paying through Avery, so it was a no-brainer. I do remember being told that there was something new in NH insurance policies where as the company had to pay replacement value no matter what the total cost is, and now there are specific dollar amounts on the policies.(as of October 2007).