You will not find a homeowner's policy that excludes fire coverage for the simple reason that fire is the greatest risk for your home. And you will have a hard time getting an umbrella policy without first having homeowners's insurance.
You get insurance to cover losses you can't afford. If you can truly handle the loss of your home (plus demolition costs) and you have liability coverage on all your rentals, then "self-insuring" may be an option. But you need to seriously consider the worst-case scenario. A lot of retired folks let their homeowners insurance lapse to save money, only to find themselves without a place to live after their homes are gutted by fire.
Shop around some more and see what you can do to get your premium down. Raising the deductible can help. What kind of roof do you have? In most parts of the country, a house with a shake roof is almost uninsurable. Re-roofing with a fire-rated material can make a big difference.
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Today's Featured Article - Major Problems - by Anthony West. Following the aquisition of the two Fordsons to my collection I found that I was struggling to move them about. I had considered the possibility of driving the "F" to and from shows but anything other than local rallies was totaly impractical due to its sedate pace. I had also considered buying a landrover and trailer, but the price of a
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