Hello, We just bought a lovely little undergound reinforced concrete dome house. Passed inspections with flying colors, and super well-designed and built. But no one wants to insure us because it's off-grid, alternative structure, and owner-built. The previous owner was actually insured by State Farm, so we tried to get a policy through them, but they said their underwriting procedures are much stricter now and we will probably be declined.
We actually feel ok about self-insuring the actual property structure. We have enough assets to cover a total loss of the property. And the risks are low in our opinion, as it's pure concrete and totally underground, so wind/fire are not a huge concern for us.
What freaks us out is not having liability insurance to protect us in case of slip/falls/dog bites/ etc. We hope to rent out our home on airbnb from time to time, do homeswapping, and have lots of friends/guests over for non-business reasons as well.
If we can't get a typical homeowners insurance policy, what can we do about the liaibility aspect? Any ideas? Thanks!