Log Home insurance - How to Get the Best Rates

Have you heard that it's impossible to find an insurance policy gift log home insurance? Actually, many associates do offer this coverage.

An easy way to find contentious quotes is to go to an insurance comparison website. When you fill out your information on such a website, you'll only receive quotes from A-rated associates that offer log home insurance.

Log Cabin Modular Homes Pa

How Much Extra Will I Pay?

Log home insurance is typically 20% more than insurance for a comparably-sized non-log home. Factors that influence the price of your log home or log cabin insurance include:

* distance from the nearest fire station. The closer you are to a fire station, the less your selected will be. Some associates will not insure a log cabin that is more than ten miles from a fire station.

* distance from the nearest fire hydrant. Most insurance associates will offer you a allowance if there is a fire hydrant one mile or less from your log home.

* presence of a free-standing wood stove. Such a wood stove will increase your rate and some associates may decline to cover you. A more affordable selection is to install a former fireplace.

Can I Buy Coverage for a Log Home that is under Construction?

Some insurance associates do cover homes that are under construction. This insurance is called a Builders Risk or policy of building policy.

Such a policy protects homeowners and builders from liability on a building site from loss due to theft, vandalism and accidental loss, damage, or destruction. When your home is complete, the building policy may convert to a quarterly homeowners policy or you can purchase a distinct policy.

Lowering Your Costs

In addition to using an insurance comparison website to shop colse to for the best price on your log cabin insurance, some other ways you can lower your insurance costs include:

* selecting a high deductible

* Installing protection features that will net you discounts, such as smoke detectors, fire extinguishers, and deadbolt locks

Log Home insurance - How to Get the Best Rates