Island Camp Homeowners Insurance?

whalebackpoint'r · 11-27-2013, 06:57 AM

York Ins. Co, through Cross Agency

MAXUM · 11-27-2013, 08:36 AM

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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11-27-2013, 06:57 AM	#1
whalebackpoint'r Senior Member Join Date: Jul 2013 Posts: 127 Thanks: 30 Thanked 50 Times in 25 Posts	York Ins. Co, through Cross Agency

11-27-2013, 08:36 AM	#2
MAXUM Senior Member Join Date: Apr 2004 Location: Kuna ID Posts: 2,755 Thanks: 246 Thanked 1,942 Times in 802 Posts	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.