Many people build or purchase log homes because of their appearance, safety and other reasons, but you may have trouble finding insurance for the log home of your dreams. Since log homes typically burn much more slowly than frame construction houses, it may seem strange that insurance for log homes is often more expensive and more difficult to find. Several factors contribute to this, and knowing them can help you insure your home more easily.
Constructing and rebuilding log homes may be more difficult than with traditional frame homes because of the construction materials and processes involved. This is one of the factors that make log home insurance typically more expensive than that for a similar-sized frame construction home. The Log Home Agency, an insurance agency that specializes in providing insurance for log homes, says that, according to a State Farm insurance agent, log home insurance costs approximately 20 percent more than standard homeowner's insurance.
Lack of Insurer Knowledge
Several agencies and associations that deal specifically with log homes report inconsistencies with insurers and their agents when it comes to insuring log homes. An insurance company that has active policies for some log homes will tell other clients that it does not provide this type of insurance. This happens in part because underwriters and agents are not familiar with log homes and can't or won't deal with the extra work involved in learning about the subject and crafting a policy to adequately protect one. Look for an agent with experience writing this type of insurance to minimize the risk of erroneous insurer denials.
According to the Log Homes Council, handcrafted or milled log homes are typically considered insurable among the companies that write policies for log homes. Even within these companies, however, you may have trouble buying a policy if you chop down your own trees and build your home with your own hands. Because insurers are not able to gauge your construction performance or the resulting value of your home, they may decline to provide coverage, even if your home is safe.
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