Is your Vacation/Log Home adequately covered under your existing insurance policy?

By illustration a case history was presented of a log home of 10-12” diameter logs that burnt for 30 hours of flames. After the smoke cleared all the log walls were still intact and in place. The logs were sandblasted, re-coated to remove the lingering smell of smoke, and the building rebuilt anew.

Log home insurance premiums are high not necessarily due to the logs themselves, but more so due to their locations (distant from fire suppression services) and several other factors, including occupancy profile, where log home owners are more prone to burning wood as either a primary or secondary heat source or simply for entertainment in a fireplace. There is a higher occurrence of wood stoves and fireplaces in log homes compared to stick houses.

All things being equal, it was demonstrated that homeowners are safer in log homes compared to the limited “life” of a burning stick house. According to the National Fire Protection Association, “most building fires are started by heat sources and ignitable materials that are brought into the building, not built into it.” In fact, the layer of char that develops on a log surface during its burn helps to protect the wood and maintain its strength and structural integrity.

How can I get Hard to Place/ HIgh Risk House Insurance?

Click  "get a quote"

Call  780-989-3939 ask for Gail

email  myhomeinsurance@creativeinsurance.ca

Most all of our policies will be availible on a payment plan tailored for you!!

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