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 - Farming Never Left My Blood - by Stan Gordon. I was born in 1947 youngest of ten of a working farm. Our farm was located in Saskatchewan near Saskatoon. We had a mixed farm consisting of grain and dairy all done with old machinery and by hand. My dad had a tractor, a Farmall A which was used mostly to run the thrashing machine, a seed drill and for plowing. I remember locals used to help each other and threshing was done from daylight to after dark, one farm to another until all farms were done.
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For sale Farmall super A tractor is complete and has just been setting for awhile,it was running when pulled out of the barn,shouldn’t take to much to get it going asking 1100.00
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