California Homeowners Insurance - WarmGlass.com

California Homeowners Insurance

The forum for discussion on business aspects of working with glass.

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Leslie
Posts: 4
Joined: Thu Aug 04, 2005 3:23 am

California Homeowners Insurance

Postby Leslie » Mon Mar 11, 2013 12:27 pm

Hello,
I am in Southern California and hoped someone knew of insurance companies that don't mind if you have a kiln in the garage. I've been checking around and it seems to be a problem. Has anybody found one please?

sbaddley
Posts: 11
Joined: Sun Mar 09, 2003 8:53 pm
Location: Smithfield, Ut

Re: California Homeowners Insurance

Postby sbaddley » Mon Mar 11, 2013 7:58 pm

If you are/were military or if you have family member who are/were military you can get USAA Insurance. They don't object to kilns unless it is for business purposes--then you need to get business insurance.
Scott B

Leslie
Posts: 4
Joined: Thu Aug 04, 2005 3:23 am

Re: California Homeowners Insurance

Postby Leslie » Mon Mar 11, 2013 11:31 pm

No military and my daughter does craft fairs. The kiln is in my garage, but it's her business. So would I need to get two insurance policies? I had no idea that this would get so complicated.....

Thanks.
Leslie

sbaddley
Posts: 11
Joined: Sun Mar 09, 2003 8:53 pm
Location: Smithfield, Ut

Re: California Homeowners Insurance

Postby sbaddley » Mon Mar 11, 2013 11:45 pm

Yep. I have three kilns and a torch in our basement. All are for hobby use so my homeowners covers it. My wife does long arm quilting in our basement, and since it's a business, she has to have a separate policy on her sewing machine (and liability if someone slips on our walkway) costing over $700/yr. Go figure.
Scott B

Dolores
Posts: 106
Joined: Mon Jul 14, 2003 9:21 pm
Location: Sunny Southern California
Contact:

Re: California Homeowners Insurance

Postby Dolores » Thu Mar 14, 2013 11:28 am

Leslie,

I was able to get a liability policy for my business through State Farm. I did already have a long standing homeowners policy with them though, which might have helped. It also covers my equipment in case of loss during disaster.

DOLORES

Leslie
Posts: 4
Joined: Thu Aug 04, 2005 3:23 am

Re: California Homeowners Insurance

Postby Leslie » Thu Mar 14, 2013 11:33 am

I contacted some independent insurance agencies and one of them told me Mercury insurance would cover me. Hoping for some competition as it is much higher than I'm paying now. I'll post if they come up with some other places.

thanks.
Leslie

sbaddley
Posts: 11
Joined: Sun Mar 09, 2003 8:53 pm
Location: Smithfield, Ut

Re: California Homeowners Insurance

Postby sbaddley » Thu Mar 14, 2013 11:42 am

My wife uses The Hartford for her business insurance.
Scott B

Valerie Adams
Posts: 587
Joined: Mon Apr 19, 2004 2:49 pm
Location: Santa Rosa, California
Contact:

Re: California Homeowners Insurance

Postby Valerie Adams » Thu Mar 14, 2013 3:58 pm

If you're a member of the American Craft Council, I believe they have group rates available. Please let us know what you find out.


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