PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Are log homes more expensive to insure?
My dream is to purchase a log home. I recently found one and I’m so excited to put an offer in on it. I want to ensure I can afford all the expenses that come with owning a home. Are log homes more expensive to insure than a regular home?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations! Living in a log home sounds magical. Log homes can be more expensive to insure than a regular home, but several factors determine your rates.
To start, the cost of building materials and the amount to replace your home should anything happen is a key factor in your
home insurance
cost. Since lumber prices are skyrocketing currently, it’ll likely cost more to insure a log home than it did in the past.The location of your home also will have an impact on your rates. If your log home is in a remote location, it is likely farther away from fire stations and emergency services. Those who live within five miles of a fire station have lower rates than those living farther away.
Finally, if your log home is a vacation home and not your primary residence, you’ll likely see higher rates. Since vacation homes are vacant for several months, insurers typically charge higher premiums. If no one is around, damages are more likely to occur.
That said, there are a lot of other factors that go into determining the cost of home insurance. The best way to see how much insuring a log home will cost is by requesting quotes from a few different companies. If you currently have
car insurance
, check if they offer home insurance or insure log homes. Not every insurance company covers log homes, but most major providers will. If you want cheap home and renters insurance quotes fast, go to
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and cancels your old policy. Even better, Jerry will help you bundle your home and auto policies for maximum savings. View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies