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My wife and I are building a garage on a vacant lot in the Florida panhandle. Our plan is to store all our personal possessions in this building while we travel all over the country. I am told we need to purchase commercial insurance because we do not live there nine months per year and there is no house built on the lot as yet. The structure is 2x6 frame w/ threaded rods for hurricane and wind, all plywood sheathing roof and sides, metal roof, and cement-based siding (like Hardiboard). The windows are impact resistant with wooden shutters. The structure is built like a tank and climate controlled. Does anyone have any ideas how to go about getting affordable insurance for our building and contents? The quote we got was quite ridiculously high and I need some guidance. Surely we are not the first people to build a base camp for our RV. We have sewer, water hookup, and 30 amp service.
