{"id":11696,"date":"2017-02-22T10:42:02","date_gmt":"2017-02-22T14:42:02","guid":{"rendered":"http:\/\/firstnewnan.com\/?p=11696"},"modified":"2024-04-17T19:00:31","modified_gmt":"2024-04-17T23:00:31","slug":"consider-purchasing-log-cabin-insurance-protecting-mountain-cabin-vacation-home-harm","status":"publish","type":"post","link":"https:\/\/firstnewnan.com\/consider-purchasing-log-cabin-insurance-protecting-mountain-cabin-vacation-home-harm\/","title":{"rendered":"What To Consider When Purchasing Log Cabin Insurance \u2013 Protecting Your Mountain Cabin Vacation Home From Harm"},"content":{"rendered":"<p>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.\u00a0\u00a0 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.\u00a0 While living the good life, you also want to protect your log cabin investment with <a href=\"http:\/\/firstnewnan.com\/\">vacation home insurance<\/a>.\u00a0 Remote or isolated dwellings are often exposed to outside elements not often experienced in urban environments.\u00a0 From extreme weather calamities, to wild animals, forest fires, or unwanted intruders, there can be a variety of disaster possibilities.\u00a0 Insurance for your mountain cabin is way to protect your investment.\u00a0 Let\u2019s take a look at some of the things you should consider when securing your vacation home.<\/p>\n<p><strong>Log Cabin Vacation Home Insurance Consideration Number One: Access To Fire Protection Services<\/strong><\/p>\n<p>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.\u00a0 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.\u00a0 We can tell you the developed Protection Class of the home you are considering before you buy.\u00a0 Both public and private fire protection services will have an impact on your insurance premium.<\/p>\n<p><strong>Log Cabin Vacation Home Insurance Consideration Number Two: Provider Options and Budget<\/strong><\/p>\n<p>There are fewer log cabin insurance providers than traditional home providers.\u00a0 This creates a smaller market with fewer insurance products and higher premiums.\u00a0\u00a0 Always purchase your vacation home coverage from an insurance company with financial strength and size.\u00a0 When obtaining an insurance quote for your log cabin, find an independent agent who can provide multiple insurance options.\u00a0 Be sure to compare the pricing, policy coverage, and any exclusions before your purchase your insurance policy.\u00a0 A knowledgeable agent will be able to help you understand the policy and the way it protects your log cabin vacation home.\u00a0<\/p>\n<p><strong>Log Cabin Home Insurance Consideration Number Three: Construction Material Type and Overall Value<\/strong><\/p>\n<p>It\u2019s no surprise that log cabin homes are not created equal.\u00a0 Construction material and age of any improvements will play a critical role in how your dwelling limit will be generated.\u00a0 Before an insurance policy can be issued, your agent will need to create a Replacement Cost Estimate (RCE) of the dwelling.\u00a0 This RCE establishes a dwelling limit in the event of a property claim.\u00a0 You will want your beautiful vacation home to be insured adequately.\u00a0 If underinsured, you might not be able to rebuild the same type structure in the event of a total loss claim.\u00a0 Upgrades, like custom finishes, and special materials (granite, marble) also impact the RCE.\u00a0 Similarly, hand-hewn logs are valued differently than a log fa\u00e7ade.\u00a0 There are many factors to determining your log cabin\u2019s RCE and final dwelling limit.\u00a0 Studies have shown that log home insurance can be around 20% &#8211; 25% more than insurance for the same size non-log home.\u00a0<\/p>\n<p>The above three considerations all impact your vacation home insurance, so it\u2019s very important to find an agent experience in insuring log cabins to guide you intelligently through the process.\u00a0<\/p>\n<p><a href=\"http:\/\/firstnewnan.com\/\">Log cabin insurance<\/a> underwriting guidelines and property rates can vary greatly within the state, so it\u2019s vital to find a knowledgeable insurance agent you can trust.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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.\u00a0\u00a0 Time spent with family and&#8230;<\/p>\n","protected":false},"author":1,"featured_media":11698,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - 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