Insurance can be extremely expensive, especially after putting down a lot of money in the process of building a hunting cabin. So, how much does it really cost to get insurance for a hunting cabin?
The cost of insurance for a hunting cabin will vary depending on what kind of coverage you are looking for and willing to pay for. For instance, if you are wanting coverage for fire, floods, and other natural disasters, but you don’t want coverage for break-ins, the price will be different. Everything from a tree falling on your cabin, to a bear breaking in, will affect how high or low your insurance cost is going to be.
Even before my family and I built our cabin I went on a search for cabin insurance. We have started building without it for the time being, because it is very difficult to find a company that is reliable. My dad has insurance for his cabin so I’ve been talking with him as well about the best companies to go through with costs and everything. Once we find one, we’ll be able to finish building in the peace that our efforts aren’t going to waste.
What Companies Offer Cabin Insurance and What Does it Cost?
There are many different insurance companies which offer varying rates and options for your Hunting Cabin. Hunting cabins are smaller than log cabins and regular cabins, so the assumption would be that their insurance is lower.
You might wonder what might affect the cost of your insurance and how you can get the best deal. I’m going to attempt to answer some of those questions.
There are many factors that go into how high or low your rates are. Below are some examples of log home insurance from various different companies:
|Company||Cost of log home Insurance|
|Tennessee Farm Bureau||about 140/mo.|
|State Farm||about $100/mo.|
Note: It’s a very difficult process to find the right insurance company. It might be helpful for you to know that most companies don’t call it ‘cabin’ insurance. It is referred to as ‘log home’ insurance or ‘timber home’ insurance. You will likely be able to find more companies with more options if you get a correct start.
What Are Some Ways to Get by Without Insurance?
Any experienced log home builder/owner will advice against not getting insurance. Besides, you can’t see the future or predict when a someone is going to steal from you or a natural disaster is going to happen.
You have options for your hunting cabin that you can do without insurance. For one, you can be educated and aware of how to safely build your log cabin. Cut down any nearby trees that could possibly fall onto your cabin, and build a fire perimeter. (This would include setting up a sprinkler system and other small adjustments.)
Something else you could do is to do some research about the best contractors. It isn’t common for contractors to have log home building knowledge under their belt- though all could learn it if they tried. It may cost a bit more to have a professional build your hunting cabin, but you’ll know that the job will get done correctly. It’s better to have it done right now than to have to go back later and completely rebuild your cabin.
The cost to rebuild or fix because someone didn’t do their job right is significantly higher than the payments you have to make either monthly or yearly on log home insurance. That’s why a contractor who knows what their doing will at least give you a better chance. Other than that, just pray nothing crazy happens up at your cabin which could destroy it.
What Types of Coverage Should I Be Looking For?
It’s important to take into account the many different types of damages that can occur in a cabin that would not occur in your regular home. Cabins are usually vacation spots and summer getaways. You may be staying for one night, or you may be staying for a week.
They are usually in remote areas which are quiet and secluded. These places have things like bears, wildfires, windstorms, bugs, and harsh weather.
Wildfires are a large area of concern for anyone who is thinking of building a cabin. This is an important natural disaster you should get covered by your insurance. Wildfires can completely destroy whatever kind of cabin you own.
If you have bears where you live, this information is for you. You can get coverage for bear break-ins. If you don’t have bears where you are building than you are very lucky and you won’t have to worry about this information.
In places like Wyoming, Idaho, and Montana, there is snow for a large part of the year, especially in the mountains. At my cabin in Southern Idaho we will likely be getting plenty of snow. Well, you’ll be happy to hear that insurance companies can cover snow damage too. In these more wintery states it is much needed.
When you think of a cabin in the woods, you think of a smart wooden getaway surrounded by trees. Well, trees fall. Falling trees is a must item to have covered because it could happen at any moment. You could take the earlier advice and cut down any close trees that are nearby.
However, some trees are bigger than they appear and you can’t be sure whether or not you have cut down all the trees that could possibly fall down onto your cabin. So, it’s best that you get some coverage for that.
Water damage is another big one for cabins, especially in the more humid states. You can get water damage in drier states, but your humid states are more susceptible to it. (This does not include water damage caused by neglect.
Unfortunately, you are not allowed coverage for things that happen out of your own personal neglect. Things like rot and disrepair will have to come out of your own pocket.
Any Other Information I Should Know Before I Go Looking For Insurance?
Yes! There is something very important you should know before you go searching. Different companies have different rates, but just because it’s low does not mean it is the best companies.
Most insurance companies are there to help you out, but others are only there to make money. Educate yourself on the types of insurances and make sure you are going through a reliable company.
Make sure you have observed where you are going to build and the natural risks of that area. Even before you go into the insurance office, be prepared and knowledgeable about the area you are building, or have built, your cabin. If you go in knowing exactly what you want from the company, I guarantee to will be highly satisfied with the outcome.
Don’t be afraid to tell them that another company offered you a lower rate. I did this once with my car insurance company. I told them that another company had offered me a lower rate with better coverage and they bent over backwards to give me a better deal.
You just need to be educated and prepared to do right by your cabin and your wallet. Besides, they’re used to stuff like that. It gives them a chance to look like the best company out there. It helps you both.
What is the difference between homeowner insurance and cabin insurance? Because cabins are not used as often and are sometimes far away from your actual home, the insurance will have different deductibles. The risk and categories of coverage will not be the same as a regular home. Other than that there is not much of a difference between the two.
What are the best materials to use in building a hunting cabin? The best materials to use depends on what type of cabin you want to build. Your foundation is the most important part of the cabin. This should be concrete or something non-flammable or susceptible to water erosion.
How much does it cost to rent a cabin? It costs about $175 per night to rent for a 4-6 room cabin. That’s not taking into account other factors such as cleaning costs and where you are renting. (Click here for a more detailed explanation of what it would cost to rent.)