Client story · Acreage and rural · Josephine County
A wooded cabin more than six miles from a fire station
Standard insurers declined a cedar cabin on 10 wooded acres, so coverage came from the FAIR Plan route.
The situation
The buyer went under contract on a cedar-sided cabin on 10 wooded acres, more than six road miles from the nearest fire station.
What we did
We treated insurance like an inspection contingency. Standard carriers declined because of the station distance, the canopy over the roof and the wood siding. An insurance broker quoted a surplus-lines or Oregon FAIR Plan policy plus a separate liability policy.
The outcome
Coverage was available, but it raised the monthly payment noticeably, and the buyer saw that before earnest money went hard. Get a bindable quote early on any wooded rural property.