There appears to be a a great deal of variation on insurance coverage of homes with ferret shelters, or even just pet ferrets, on not only a company by company basis, but also on a region by region basis within the same company. I've had State Farm Insurance since 1982, and when word went out in the mid 90's that a State Farm underwriter was canceling policies of homeowners with pet ferrets, I called my agent and asked him about it, and he assured me there was no problem with my coverage. Later, when our house became the Cascade Ferret Network central facility, I informed our State Farm agent and again he had no problem with a shelter in our house, and even suggested increasing our liability coverage. I have shopped around for another insurance company, just out of curiosity about rates, and found that The Hartford would cover our house with extra liability for the shelter too. My guess is that different insurance underwriters react differently to ferrets, and you need to shop around to find a company with a ferret knowledgeable underwriter in your region. Leonard Bottleman [log in to unmask] http://www.cascade-ferret.org http://www.teleport.com/~leonard [Posted in FML issue 3100]