Home Owner's Insurance for cabin on rough dirt road

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Permalink Reply by ed ziobro on March 20, 2012 at 2:31pm

State Farm is Log Home Friendly, also Farm Bureau Insurance , I would call them both to see if they can help.

 

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Permalink Reply by J Murphy on March 20, 2012 at 3:13pm

Thanks, Ed. I'll let you know how it turns out.

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Permalink Reply by Judy & Lee Peacock on March 20, 2012 at 5:27pm

We used Travelers because they were the only ones who will do replacement value on a log home.

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Permalink Reply by Scott Castle on March 20, 2012 at 6:27pm

I have policies in NC & VA. The insurance industry uses a standard from ISO Insurance Services Organization. This standard rates communities of water supply, fire department equipment & locations, communications(dispatch centers) The rating goes from a 1-10 . One excellent to 10 no fire protection. I believe it is an antiquated methodology but it is what we have. In VA a fire service area must be within 8 miles of the fire department and a method to have a water supply available. When a area exceeds the mileage and has no water (dead end like yours) they can determine that they do not have to give you insurance or as the rating number increase so does your cost. A 10 is classified as no protection. A few solutions are to find alternative companies, Install a dry hydrant in a pond and have it certified or educate an insurance company of the methods how a modern volunteer fire company can shuttle water and provide enough water on a first alarm assignment to suppress a fire. Residential sprinklers are also available. I happen to use Nationwide and have a log home in VA with a 10 fire protection. Good luck

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Permalink Reply by J Murphy on April 2, 2012 at 9:01pm

I ended up with Loudon Mutal. They gave me a fire protection policy for $1200 providing I switched my primary residence to them as well.

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