I had a cabin owner ask about homeowners insurance for his cabin to cover liability, theft or vandalism, and fire or damage. He is having a hard time finding a company to write a policy. I was told Nationwide issues homeowners policies for cabins but with an endorsement excluding fire. Other companies may be willing to do the same. Lloyd's of London (and perhaps another company) will issue fire policies, but for premiums of $3,000 - $4,000 per year!. Unfortunately, the massive fires throughout California have spooked all of the carriers, and that is not likely to change any time soon. But if anyone knows of an insurance carrier whom they can recommend, please let me know and I will pass along that information.
Thank you, and here's to a good, long snowfall this winter!