Log Cabin Rustics Blog: Log Cabin Insurance: What You Should Know Log Cabin Rustics

Scott R., Washington

Thank you for personalizing this experience and following up with me. That means a lot. We're looking forward to receiving the chairs and other items. I'll stay in touch concerning follow up orders to furnish our cabin.

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Wednesday, May 21, 2008

Log Cabin Insurance: What You Should Know

“Will I be able to find an insurer for my log cabin?” is a common question among individuals who are contemplating building a log home.

“Will the insurance for my log cabin be much more expensive than for traditional construction?” is another question that frequently arises.

If you are building a log home, rest assured there are insurance companies out there that will cover it. You may have to look a little harder than you would for a traditional home. But the vast majority of log home owners have absolutely no problem obtaining insurance coverage for their log home.

In addition to being a little harder to find, log home insurance may cost a bit more than insurance on a traditional stick-built home. Factors affecting insurance pricing include:

* actual type of construction (is it a “true” log home, or is it stick-built with log-look siding)

* the proximity of the log home to the nearest fire station (less than 5 miles helps) or fire hydrant (less than 1 mile is a plus)

* the overall value of the log cabin in question

Some insurers say they can’t cover a log home simply because the agent doesn’t want to perform whatever extra work is involved in writing the policy. You wouldn’t think any insurance agent would want to leave a potential policy, or money, on the table. But it does happen.

Check with other log home owners in your area. They can probably clue you in to which insurance agents have been most helpful with their coverage needs. Such agents are generally the exception rather than the rule. They key is to find an insurance agent who customer-service oriented, familiar with log homes, and eager to write the policy on your log cabin.

by: Log Cabin Rustics