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 - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
... [Read Article]
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