OK I get the whole island thing far as insurance goes... but what's the deal with log cabins? Sure the construction is a little different but why would an insurance company not like them any more than a timber framed, or something built with SIPS (structural insulated panels)?
Still with State Farm and very happy with them. Coverage is a little more expensive but I can understand that, after much discussion with my agent as we were writing up the binder for it, he basically said this is high risk/catestrophic coverage. They just assume that if the place ever goes up in flames it's a total loss. IF there are any damage claims they are figuring on 2-3 times the cost to repair. Thankfully I just have a simple little camp so teh cost isn't to bad. The insurance bills on some of the nicer island "homes" must be pretty significant.
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