Island Property Insurance

[Island Dweller]

From my own experience, island insurance isn't easy to find. I had gone through Avery, great people but the insurance was expensive. I called a couple other places, including Farm Family and there are a few requirements for island property that I, at the time, didn't meet. Most require a heat source, other than a wood/pellet stove. They are afraid of pipes freezing, even though we drain them for the winter. If you're in the position we were in, a pellet stove was our only heat source because we pretty much close up for the winter (except for sno-mobile trips). Also, alot of insurance companies won't insure Island properties but I found Allstate who will, because we have fire boats that can come out to the island. We finished building our Lakehouse this year, installed electric heat strips in addition to our pellet stove, and got a great price from Paul Caron at Allstate. 603-569-0110. (The insurance was 1/3 the price that I paid through Avery.) Paul is very helpful.
Good luck!