Can I get insurance for a log home? Yes. We have never heard of anyone being denied homeowner's insurance just because they owned a log home. A vast majority of our members have absolutely no problems at all getting insurance for their log home. More...

Flood Damage. When the skies opened up during their evening campfire, Jen and Jeff Morgan didn't think much of it. They simply grabbed their s'mores and headed inside. But when the rain turned torrential and continued to pound their cabin, a flash flood ensued, and their deck washed away. More...

Frequently asked questions about log home insurance

Q. Is homeowner's insurance, in particular fire protection, more expensive for log homes?

A. Homeowner's insurance is no more expensive for a log home than for any other type of wood or wood framed home (that includes brick homes). The cost of homeowner's insurance will be more a function of the history of your area, what sort of fire protection service is available and how far away from your house it is and, of course, your own claim history. Log homes, when they do burn, burn much more slowly than conventionally framed homes and, thus, damage can be substantially less than to a stick built home by the time the fire is discovered and extinguished. The reason for this is due primarily to the size of the logs (if you've tried to start a campfire without kindling, you know what we mean) and the fact that no cavities exist in the walls. In stick built homes, the space between each stud can act like a fireplace flue when there's a fire, creating a draft that sucks the fire upward.

Many insurance companies charge more for log cabins. However, Allianz Direct and Orien Finlay are two Irish insurance companies that would give you a quote

Q. I've found that homeowner's is available for Log Homes.

However I haven't found any that is available for an Owner/Builder of a Log Home.

Example: Allstate offers homeowner's for Log Homes; ONLY if it was built by a licensed contractor.

I'm looking for contact details for aqny Insurance companies you folks know of who will insure a Owner/Builder Log Home in North Carolina.

Thanks in advance!

A. dmorgan , you might try a few log home mortgage brokers to get some advice on insurance, they deal with this all the time. try loglendersofamerica.com or try a search for them, or try obls.com, or logloans.com.

Q. I have read in the FAQs that you should be able to get insurance for your log home. My experience is contrary to that. In fact I am tired of dealing with insurance companies that have no clue about log home construction and would rather just deny coverage... Having been refused by several major insurance agencies, I would like to ask the readers out there for their experiences in getting their homes insured and if they recommend (or have had a good experince with) a particular carrier... this would help me a lot....

Hand crafted log home in Montana...

Much appreciated,

Kurt

A. For us, it is State Farm. No problems. Even "course of construction" for a log home.

A. Yep, it's a headache. However I use Country Companies. Gary Owens. They've been good to me and had great rates. I started out with a national company only to be dropped because of unusually high construction rates in Wa state. I too used State Farm before this process started, but even though they've insured me, my businesses, cars and everything else, they wouldn't insure anything that wasn't locked up. Sorry, we live in a logging community, and could just see a self-loader pulling up and helping themselves to my log racks! I'm too visible and those logs looked good. So, I got someone to insure me from the get-go. I was fenced and had a locking chain at the entrance. That was good enough for them. We re-evaluated my values at every major completion. But be ready, you will pay a lot more for a log house. You can't just knock out a few walls and patch it. So your rates will be higher. Also, buy property close to a fire station!

A. GammaRae wrote: For us, it is State Farm. No problems. Even "course of construction" for a log home.

A. Same here. Have to pay a bit extra to cover the cost of the logs while they are sitting out, but not too bad.

For what it is worth - I sent my brother (state farm insurance agent in MN) an email asking about insuring a log home / cabin...He said that insurance for the building would run about 20% more than a similar sized standard structure... J-

Damage caused by freezing pipes?

It was early March and John Lazwik's family couldn't wait to spend spring break at their beloved northeastern cabin. When they stuck their key in the lock and swung open the door, however, their mouths hit the squishy floor. More...