Log Cabin Insurance

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What To Consider When Purchasing Log Cabin
Insurance
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• What To Consider When Purchasing Log Cabin
  Insurance Protecting Your Mountain Cabin
  Vacation Home From Harm
• If you are fortunate enough to be looking to buy
  or build a log cabin or mountain vacation home,
  you are living a blessed life. Time spent with
  family and friends, Mother Nature, and away from
  the hustle and bustle of everyday life, there are
  many perks and pluses to owning a log cabin
  vacation home. While living the good life, you
  also want to protect your log cabin investment
  with vacation home insurance. Remote or isolated
  dwellings are often exposed to outside elements
  not often experienced in urban environments.
  From extreme weather calamities, to wild animals,
  forest fires, or unwanted intruders, there can be
  a variety of disaster possibilities. Insurance
  for your mountain cabin is way to protect your
  investment. Lets take a look at some of the
  things you should consider when securing your
  vacation home.
• Log Cabin Vacation Home Insurance Consideration
  Number One Access To Fire Protection Services
• We all know wood is more susceptible to burning
  than masonry, so quicker access to fire stations
  and nearby fire hydrants will always play a key
  role in your log cabin insurance cost. All
  communities have a developed Protection Class
  rating which specifies the distance to a staffed
  fire station and closest fire hydrant. If you
  are in the market to buy or build a new log cabin
  vacation home, contact us to quote your coverage
  before you buy.

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• We can tell you the developed Protection Class of
  the home you are considering before you buy.
  Both public and private fire protection services
  will have an impact on your insurance premium.
• Log Cabin Vacation Home Insurance Consideration
  Number Two Provider Options and Budget
• There are fewer log cabin insurance providers
  than traditional home providers. This creates a
  smaller market with fewer insurance products and
  higher premiums. Always purchase your vacation
  home coverage from an insurance company with
  financial strength and size. When obtaining an
  insurance quote for your log cabin, find an
  independent agent who can provide multiple
  insurance options. Be sure to compare the
  pricing, policy coverage, and any exclusions
  before your purchase your insurance policy. A
  knowledgeable agent will be able to help you
  understand the policy and the way it protects
  your log cabin vacation home.
• Log Cabin Home Insurance Consideration Number
  Three Construction Material Type and Overall
  Value
• Its no surprise that log cabin homes are not
  created equal. Construction material and age of
  any improvements will play a critical role in how
  your dwelling limit will be generated. Before an
  insurance policy can be issued, your agent will
  need to create a Replacement Cost Estimate (RCE)
  of the dwelling.

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• This RCE establishes a dwelling limit in the
  event of a property claim. You will want your
  beautiful vacation home to be insured adequately.
  If underinsured, you might not be able to
  rebuild the same type structure in the event of a
  total loss claim. Upgrades, like custom
  finishes, and special materials (granite, marble)
  also impact the RCE. Similarly, hand-hewn logs
  are valued differently than a log façade. There
  are many factors to determining your log cabins
  RCE and final dwelling limit. Studies have shown
  that log home insurance can be around 20 - 25
  more than insurance for the same size non-log
  home.
• The above three considerations all impact your
  vacation home insurance, so its very important
  to find an agent experience in insuring log
  cabins to guide you intelligently through the
  process.
• Log Cabin Insurance underwriting guidelines and
  property rates can vary greatly within the state,
  so its vital to find a knowledgeable insurance
  agent you can trust.