[dataway]

So, I'm trying to insurance on JUST a new shop building on the property. We don't care about the house, we are going to tear in down in a couple of year anyway.

We have been with State Farm on our previous house, and still with our vehicles. The current house has no insurance. State Farm doesn't seem to want to insure just the shop building and property liability. They say we have to insure the house too. Turns out the premium for the dilapidated old house is about 4X the premium on the new building which is valued at MORE than the house.

Anyway, surely there are people that have a shop building on land somewhere apart from their home that they have separately insured? I know many farmers have various plots of land that will include a barn perhaps miles from their home.

I'm guessing I should perhaps talk to an independent agent that has access to other types of insurance?

Advice appreciated.