Yes. We have never heard of anyone being denied homeowner's insurance just because they owned a log home. A vast majority of our members have absolutely no problems at all getting insurance for their log home.

Occasionally a non-member emails us and says "But insurance company XYZ has denied me insurance on my log home." So what's the deal with that?

Oddly enough, every time we get one of those email it turns out that we have members who are are ALREADY insured through company XYZ. So company XYZ does indeed insure log homes. Here's the major issue, and the solution.

The fact is that most insurance companies will insure a log home. The 'problem' is that it can create a bit of extra work for the agent who has to write the policy. So many agents will give the easy answer, which is "oh we don't do that" because it is easier... easier for them to just say that, rather than actually to do the footwork required to get you insurance.

Yes, that makes no sense... they literally turn away money because it would involve a little extra paperwork on their part. So often the key is finding the right agent who is willing to deal with it, because it's not a company issue, it's an 'employee' issue.

Case in point:

A man emailed us recently complaining that he was "denied insurance by company XYZ because he owns a log home.

We responded to the email, explaining what we believe to be the real problem.

About a week later he emailed us back, and said that he talked to an INDEPENDENT insurance agent, and was easily able to get insurance through the very company that had just 'denied' him.

So he struck out the first time he contacted company XYZ, but the second time he was successful. The only difference was that on the second attempt the man contacted an independent agent rather than the insurance company's agent.

The insurance company's agent works for them, and will generally do whatever it takes to make their own job easier. An independent agent works for you, and will generally work very hard to make sure your satisfied.

So to recap, getting insurance on a log home is usually easy. If you have problems, then try talking to a real independent insurance agent. We've never heard of anyone that could not get insurance on their log home.