"the farm's insurance carrier can and will go after the parents' homeowner insurance"
Of course, I haven't read your or any other persons home insurance contract, but does the insurance you have which protects YOUR HOME against fire and tornado etc., also cover a house down the street if your kids torch it??
Its been a while since I read my homeowners insurance contract, but I'm pretty sure it doesn't say they will replace A DIFFERENT HOME if my kids burn it down?? It only protects MY HOME... (and may not even that if a family member intentionally torches it???)
Just asking as I'm always curious to learn something new... There's all sorts of different policies and different insurance products out there, maybe a homeowners policy covers a DIFFERENT HOME if your kids burn it, but it could be harder to get underwritten and more expensive JUST ASKING is all.
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Today's Featured Article - The Niagra View Mobile - Powered by a 1959 Ford Tractor - by Mark Massey. In 1959 the Niagara Frontier Transit Inc. of Buffalo, New York designed and built six Viewmobiles for the Niagara Frontier Sightseeing Inc. for use as a sightseeing ride at the Niagara Falls State Park, Niagara Falls, New York, powered by a 1959 Ford 611 Tractor.
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