Log Home Insurance

Log home insurance is available to builders and buyers just as homeowners protection is available on any house one may purchase. Most major coverage companies offer log homes insurance at close to the same premium rates as standard frame housing. There are some insurance companies that may not offer this type of policy due to inexperience with the product, so it is best to seek out at least three agencies before choosing one. "The heart of the prudent getteth knowledge; and the ear of the wise seeketh knowledge." (Proverbs 18:15). Log homes, or cabins, are built with prime materials and are made to withstand the elements of nature, just like houses of other construction materials. There are many different homeowners policies available for cabins from a variety of agencies.

Those looking into building their own cabin or purchasing an already constructed one should include log home insurance into their estimated costs. This coverage can be included in a mortgage, if a mortgage loan is used in purchasing a house. If the cabin is a house built from the floor up with a purchased kit, builders will want to purchase log homes insurance during the building process. Some agency providers will insure a kit and the materials from the point of delivery until the building project is finished, then issue a homeowners policy. To find specified cabin coverage for building projects, those seeking can browse the Internet for this specialized service.

Cabins that have a mortgage will be required to have a log home insurance policy to protect the mortgage company's investment. Generally, log homes insurance that is required by a mortgage company will only offer the basic coverage for house protection. Homeowners may want to explore policies that offer protection for personal possessions as well. Checking out the Internet to find the options available for extensive protective coverage can be done. The Internet has information about building a cabin, buying a kit and other vital information about this type of project as well.

Before purchasing a do-it-yourself kit, or starting a building project for a new house, research adequately. There are some differences in maintaining a cabin compared with a regular house and there are differences in the resale markets. Speak with other similar homeowners about what log homes insurance policies they carry and what they recommend. The Bible teaches us that getting counsel is wise and that we have much to learn from others who have more experience


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