Cob: Insurance

[DONA ENGELHARDT]

Hi all,
Thanks for your helpful comments on cob and cold temps. 

I currently have home owners insurance which covers my house and its 
contents.  Does anyone know how this is handled when owning a cob home?  I 
can't imagine the insurance company not putting up a fight to insure the 
structure and its contents.  I'm assuming I'd just have to insure the 
contents and rely on the fact that I built the cob house well enough so as 
not to worry about it.  This comes up for me as it seems the West is on fire 
and the East is underwater!  I know cob is stronger than conventional 
housing as well as fireproof, but I'm sure the forces of nature could send 
something my way that it couldn't withstand and I'm still a little too 
mainstream to feel comfortable without insurance coverage!  Does anyone have 
any knowlege or experience in this area?