Call Us CALL US TODAY | 814.580.9992
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Commercial Products COMMERCIAL PRODUCTS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Motorcycle Insurance MOTORCYCLE

Learn about different coverage options that fit your specific needs.

Read More
Hotel/Motel Insurance HOTEL / MOTEL

Finding insurance doesn't have to be difficult. We do the work for you.

Read More

There are unique challenges to insuring a log home. The construction characteristics of these types of structures can be a part of the challenges but not necessarily in ways people may think. If you’re dealing with handcrafted cabins made from raw lumber, those are typically fire resistant, many times, more so than modern-day frame houses. However, the cost to replace those materials are high, so that can drive up the insurance premiums. Labor costs can be higher as well, if the site is more difficult to access, such as being located on a hill or in the woods. If you’re building a cabin with pre-cut logs from a kit, those materialsare less costly, but are also more vulnerable to fire.    

Another factor that could be a challenge for insuring log homes is location. Many log homes are tucked away in dense wooded areas where the danger of fire is higher, not only due to it being surrounded by timber, but many times lacking a water source for fire trucks to tap into. In addition, the fire station is usually far from the location, which increases your chances of a significant or total loss, in the event of a fire.

For people in the market for building a home, its recommended to research the fire protection attributes of the location being considered. In fact, every jurisdiction has a fire rating assigned to it by the insurance industry. This rating is reflective of water accessibility, as well as the proximity and responsiveness of its fire departments. For example, in Erie County, the city of Erie has the most favorable fire rating, because it has the greatest presence of fire hydrants, and full-time fire departments within a couple of miles. Your log cabins are normally located in much poorer fire rated areas, again due to lack of water sources, and often serviced by volunteer fire departments located much farther away. Having a pond or pool are not necessarily an advantage because there is no guarantee that the water will be there when its needed, because majority of insurance carriers believes it could be frozen when needed.

Finally, it is best to research the insurance before making the commitment to buy or build a log cabin. Although for anyone who is building, you’re going to want to have a policy in force before the construction even starts. If a mortgage company is involved, they’re going to require insurance to be in place before the loan is approved and issued, to make sure the collateral is insured. If a bank is not involved, you’re still going to want to concern yourself about issues such as stolen building materials, or the structure being damaged, from perils such as forces of natures, before its complete. Not to mention having liability coverage in place to protect you, in case someone gets hurt, during the construction.

 

 

Posted 3:00 PM

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Facebook
Twitter
LinkedIn
Instagram
YouTube
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
© Copyright. All rights reserved.
Powered by Insurance Website Builder