Home Insurance and potters What If I burn the house or studio down?
Posted 30 May 2012 - 05:46 PM
The will it burn post got me thinking this may help a few.For Me here in California as full time production potter guy my insurance on studio from homeowners is ZERO coverage. My agent long ago (70's) said no way-The house is 20 feet away and the line of coverage is somewhere in between as far as my homeowners insurance(state farm). I have two electrics just out side of studio door and two gas Kilns 10 feet away. My salt kiln is about 100 feet away .
I bought commercial Liability insurance (about 320$) that covers 10 k for fire on shop if (or when) it burns as well as being sued when someone chokes on eating a mug as well as theft of breakage on 15 K worth of ceramics . I will say that most insurance companies will drop you after 1 claim. I say this from other pro potters (3 that I know) who filed and then got dumped after settling the claim.
If I was a hobby potter the whole picture would be different and most Homeowners insurance will cover some crafts area. As long as its all done with permits
My permit was in the 70's for a 2 inch gas line on a separate meter.Things sort of grew from there.
Hope this helps someone.
Posted 31 May 2012 - 09:41 PM
Anyone who sells pots should carry liability insurance, even hobbyists. It's cheap and will save you a ton when things go bad.
Kiln Repair Tech
Owner, Neil Estrick Gallery, LLC
Posted 31 May 2012 - 10:38 PM
This might be different in other states, other insurance companies, and other types of kilns. But for Marylanders with properly wired electric kilns, don't be afraid to tell your insurance agent.
Good Elephant Pottery
Posted 01 June 2012 - 06:57 AM
I found this out when I called Amica to find out about insurance for a craft show. The agent then proceeded
to hound me about my kiln (electric) and studio. I had to call her supervisor to get her to stop calling me.
I think she was new and trying to make a name for herself or something.