Homeowners Insurance For Log Cabins – Who doesn’t love the idea of a cabin in the woods for a snow vacation or somewhere on the beach for the summer? A seasonal or vacation home is one of the wonderful benefits of living, but securing it properly can be a challenge.
We contacted Katie Unruh Vang of Unruh Insurance Agency, who has been a part of the insurance industry for over 18 years. Katie specializes in personal insurance and gives us the inside scoop on vacation home insurance, including why that’s why you’ll want to avoid wood stoves.
Homeowners Insurance For Log Cabins
You may be wondering, “Do I need coverage for my vacation home if I already have homeowners insurance for my primary residence?” The answer is, without a doubt, yes.
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“All the insurance brokers we work with require a separate policy for vacation or seasonal homes,” says Katie. “Many call it a second residence or natural habitat.”
Term home insurance policies vary by carrier, and each carrier will have their own rules and regulations when it comes to the type of coverage required.
This is especially important when it comes to different types of vacation or second homes, such as a cabin in the woods or a cabin on the beach.
“A lake house or a house on the beach or near a body of water may need to consider a flood policy,” says Katie.
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For a beach policy, the insurance company may require high winds and hurricanes to be excluded because this vacation home may have the risk of such damage.
A home is at risk of plumbing or drainage problems, even if the home is not connected to a public system. A wood-burning stove as the only source of heat in a home can cause more of the issues listed.
“There’s an increased risk of fire,” Katie said. “Also, there is no heating if the house owners don’t live there.”
This can lead to an increased risk of frozen pipes, which is the third most common homeowner’s insurance claim, according to the Insurance Information Center.
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Katie says, “If you have a central heating system, you can set it to turn on, but with a wood stove, you can’t.”
“Your insurance agent can give you quotes for these types of insurance policies,” says Katie. “Most likely the car is not covered if there is damage or if you go off the road somewhere away from the house and crash.”
Different insurance policies can cover property damage, bodily injury, collision, and other expenses. Talk to your insurance agent to find out what coverage you need for your specific electric sports vehicle.
Carrying an umbrella is recommended if you own a car and a house but is strongly encouraged if you own any additional property.
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An umbrella exception is additional coverage in excess of $1 million that provides personal liability coverage. It offers a higher limit on current coverage and protects you against things that aren’t included in your homeowner’s policy or auto insurance. These include certain lawsuits, personal injury to others, property damage, and personal liability. Legal fees are also covered by umbrella insurance.
You invited your friends to stay at your house since you can’t make it this weekend. Are you closed?
“If you’re a stranger and you don’t charge rent, that’s a legal issue with the insurance companies,” Katie said. “Discuss that with your agent.”
We advise you to do this before buying your home, so you have the perfect home climate from day one.
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“That’s another matter altogether,” said Katie. “Also, discuss this with your insurance agent to make sure you own the property properly. If you use Airbnb or VRBO, let your insurance agent know and they can help you with the proper way to insure your home. Many different insurance companies can cover these properties. “
“With any real estate, it’s important to ask your agent if they’re included,” says Katie. “Some important weather insurance policies don’t include them.”
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If you’re looking to save, talk to your insurance agent about new coverage options, such as a national utility line or national service line coverage.
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“It covers your utility lines and the company doesn’t,” says Katie. “Dismantling and replacing these can be very expensive.”
Another new endorsement plan offered by some insurance companies is equipment coverage, which insures your heating system, heat pumps, air conditioning, etc. for repair or replacement.
“It’s like a guarantee where if these systems break down for almost any reason, they’re shut down,” Katie said.
This coverage can be very helpful for vacation homes that are not occupied year-round, where heating and cooling may be reduced.
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Your home insurance costs can be high with multiple polices, so if you’re looking to save, try bundling, limiting things in the vacation home, and adding water detectors, burglar and fire alarms.
“Try to buy your seasonal home and first home insurance where you have your car insurance,” says Katie. “You will get many discounts.”
Katie also noted that it’s not always possible as seasonal homes can be difficult to document, so not all companies adopt these policies.
“If you don’t have a lot of assets in your secondary home, you can talk to your agent about lowering your asset limits in your secondary home,” says Katie.
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When insuring your second home, consider the maximum deductible as this will lower your value. Your insurance agent may also be able to offer you discounts based on technology in your home. Some vendors offer discounts for smoke detectors, water sensors, smart home technology, and security systems.
“Don’t compromise on photography to save a few dollars. Being good at covering up losses is more important than saving some money. “
Also review your policy regularly, sometimes annually with your agent. If you have made any changes to the home – such as repairs and additions – be sure to contact your insurance agent.
Katie said: “It’s hard sometimes with all the things you have to think about.” “Make sure you always discuss your policy with your agent.”
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Can help. Upload insurance policies, receipts, manuals, warranties, inspections, and other important documents into our home management software, so everything related to your home will now be in one secure place. We’ll also help you complete the day-to-day work on your primary and secondary homes, so you can prevent insurance claims and enjoy your living space. Written by Joshua Cox-Steib Written by Joshua Cox-SteibArrow Insurance Contributor Right Joshua Cox-Steib has two years of experience writing for insurance sites like , Coverage.com, Easy Dollar, Reviews.com, and more. His work has also been featured on sites such as MSN and BBB (Better Business Bureau). His insurance writing practice spans multiple product lines, with an emphasis on auto insurance, life insurance, and home insurance. Get in touch with Joshua Cox-Steib by Email Joshua Cox-Steib
Editor by Mariah Posey Editor by Mariah PoseyArrow Right Editor, Insurance Mariah Posey is an auto and homeowners insurance writer and editor for . She aims to make the insurance journey as convenient as possible by putting the reader at the forefront of her work. Connect with Mariah Posey on Twitter Connect with Mariah Posey on LinkedIn Linkedin Get in touch with Mariah Posey via Email Email Mariah Posey
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