Introduction - obtaining an insurance quote for your Holiday Home can be
difficult and time consuming, obtaining a holiday home insurance quote for a log
cabin, can be nigh on impossible. This really is a specialist area of the
insurance market as the bulk of insurance companies do not want to provide cover
for them . Wherever your log cabin is situated, the risks tend to be pretty much
the same, and insurance companies have two issues with this type of property.
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The construction - Log
Cabins have come along way since originally being associated with a rather
Spartan existence. They are often spacious and luxurious. However, they are
made of timber construction and whilst this is usually perfectly safe, in the
event of a Fire, the end result can often be more costly to the insurance
company. Often this situation is escalated as timber homes are sometimes
located in vacation resorts or in the mountains and these remote areas may not
have easy access to fire fighting equipment.
Log Cabin Home Insurance - Because of the above, obtaining insurance for
your timer property is essential and you will need to obtain it from an insurer
that have experience of this class of risk and are prepared to accept the
additional risks associated with holiday letting. You may use your holiday cabin
for your own purposes, or you may have obtained it for holiday rental purposes.
If this is the case, your quote should include the correct form of liability
insurance cover. The insurance you obtain should include all the usual
perils associated with building insurance but it is best to check the policy
wording before you buy to make sure you have the correct cover you require. In
particular, study your policy working to see if it covers loss of rental income.
You may have taken a large number of vacation bookings for your holiday log
cabin only to find that following a fire, you will be unable to rent the
property. If you log cabin insurance policy does cover loss of rental
income it must be remembered that this cover is as a result of an insured peril
occurring at the property and will not provide an indemnity in respect of the
renter simply not paying the rent that is due or deciding not to go on vacation.
Log cabin construction and quality build will be fairly similar whether the
property is located in the United Kingdom, Canada, France or wherever, however,
the insurance may be slightly different as different countries have slightly
different rules and regulations regarding cover and taxation. When
obtaining your timber frame insurance quote, remember to be able to present as
much information as possible, the insurance company may want to know the
foundations on which the building stands, the roofing material and the method of
heating.
Timber Based Holiday Homes - log cabins are becoming more popular
with people wanting to purchase a second or holiday home and they can prove to
be an excellent investment and exceedingly durable, some cabins are well over
100 years old and with the right attention and service will remain in excellent
condition. It must be remembered that log cabins are made of purely natural
materials such as pine or spruce and these trees are found in abundance is some
of the most inhospitable places on earth. Timber over the centuries has proved
to be a naturally strong building material popular throughout the USA, Canada
and Europe, it is only in recent years that the world is waking up to the fact
that as well as basic shelter, timber is a substance that can be fashioned in to
homes of real quality.
Log Cabin Safety Issues - when deciding about buying a log cabin as a
second home over a more traditional stone built property, many people wonder as
to the security & safety issues. In essence, there is no reason why a log cabin
should be any less secure than a property fashioned out of more traditional
materials. Fire is always the biggest worry and whilst we have mentioned above
that the end result can result in a more serious insurance loss, Fire evaluation
and risk assessments on timber buildings show them to be safe. You can enquire
as to the construction of new builds as in the main, they are treated with Fire
retardant which provides protection by means of delay. Tests in real life
situations have also proven that log cabins made of sturdy robust logs will
often burn a little on the outside but because of the age and thickness of the
wood, this is often only to a depth of a few millimetres. From a Theft point of
view, there is no reason why a log cabin can not be made as safe and secure as a
normal property. When purchasing your building for the first time, you should
review all security arrangements in place at the property bearing in mind the
location and remoteness of the property and also pay attention to any special
security provisions required by your holiday home cabin policy provider.
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