Log Home insurance - How to Get the Best Rates

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

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

Modern Modular Homes

How Much Extra Will I Pay?

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

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

* length from the nearest fire hydrant. Most assurance companies 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 growth your rate and some companies may decline to cover you. A more affordable choice is to setup a original fireplace.

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

Some assurance companies do cover homes that are under construction. This assurance is called a Builders Risk or policy of construction policy.

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

Lowering Your Costs

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