Quick Answer: Does It Cost More To Insure A Log Home?

How do I keep my log cabin from rotting?

Here are eight things we recommend a home owner do to keep their building dry and prevent “rot”:Maintain a good finish on the exterior logs.

Have adequate overhangs wherever possible.

Have gutters in place and keep them working.

Free board – in other words – keep the house up off the ground.More items….

How much does it cost to build a 1500 square foot log cabin?

Construction takes eight to nine months and ranges from $125 to $175 per square foot, Beauchesne says. “The typical cost for a turnkey log cabin, with land, can run anywhere from $175,000 up to $350,000 or more depending on the size,” he says.

What are the pros and cons of a log home?

Here’s a look at the pros and cons of today’s custom log home construction:PRO: Green Building Material. … CON: Higher Maintenance Level. … PRO: Energy Efficient. … CON: Insurance Can Be Tough To Find. … PRO: Available in Kits.

What insurance companies cover log homes?

First, try a larger, well-known insurance agency, such as GEICO, Allstate, State Farm, AARP, or American Family. These companies may not insure log homes in all the states they offer coverage in, but they do carry log home insurance.

What are the problems with log homes?

8 Natural Enemies of Log HomesProblem: UV Rays. The sun’s ultraviolet radiation (UV) causes cellular damage on the surface of wood. … Problem: Wind. … Problem: Humidity. … Problem: Squirrels. … Problem: Woodpeckers. … Problem: Insects. … Problem: Moisture from the Ground. … Problem: Rain & Snow.

Are log homes stronger than regular homes?

The Walls of Log Homes Are Stronger Than Traditionally Constructed Homes. … Contrast this to a wall made of logs. The logs used in modern homes are of exceptional quality – they’re dense, strong, and totally solid, and these massive walls are what provide a lot of the strength that log homes are known for.

Can I get a mortgage on a log cabin?

One of the most important financial assistances you can get is a construction loan, which is generally paying for the log house down payment. … In paying for the log home equity, it is best to secure at least 20% so that you can skip the PMI or private mortgage insurance. * Log Home Lenders.

How long does a log cabin take to settle?

The majority of settling will continue to occur through at least two heating seasons. Depending on your local climate, the final amount of moisture in your logs can vary by up to fifty percent and even the type of home heating you use effects the moisture in your walls.

Do log homes hold their value?

The answer to all of these questions is “yes.” If they are well-built, cared for and in a desirable location, log homes do hold their value. … They are also better credit risks, and frequently take up to 2 years to research log homes before making a purchase (as opposed to 6-7 months for conventional buyers).

Are log homes a good investment?

With timber being a poor conductor of heat, a residential log cabin is a good solution in warm places. … They are also easy to install and erect, which not only helps you save time but also labour costs, this is another very good reason why investing in a log house is worth the money.

Do banks finance Log Homes?

Although many banks provide mortgages for log homes, you may encounter a lender who is not familiar with the concept of log homes or the benefits that they provide. It might even be the bank you have used for years. These lenders may not be able to finance your log home.

Does a log cabin need insulation?

Do log cabins need to be insulated? You could easily argue that you do not need to have insulation in your log cabin walls, but that would be true only if your log cabin walls are solid wood and a minimum of 8 inches (200 millimetres) thickness.