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Many moons ago I looked into earth-bermed homes . . . and ran into the same thing . . . and not from just one place. It's "unconventional" and there is a relatively small "database" from which to generate loss rates. And; intuitively it seems as though the risk to total loss is higher than with structures that are above ground; in terms of flooding / any other water-type damage; and in this day and age => lets not forget about mold(s) too.

Insurance companies are in the business of making money; not being a bunch of nice, reasonable folks. So, just like they won't touch a nuke plant insurance-wise because of the astronomical cost of an "event"; they also have no desire to insure unconventional structures.

20 years ago; I bought a log home => my "major" / natinally known insurance company point blank told me they wouldn't insure it, period; because of "unconventional" construction. This was the day before the closing. If a log home ( which many of our ancestors probably lived in ) is unconventional; then earth-bermed homes are out of this world to them.

I applaud your desire to own one; when properly done they've got a LOT of advantages; and DON'T have to be "caves". If improperly done; they can be a nightmare. However; you will likely encounter more and more resistance as you look further for insurance with various other companies. Perhaps ( as I ended up doing ) you can use the same company that presently insures it now . . .

Good luck . . . .

Bob

Travelers insures earth contact homes.