In our Program, log cabins are defined as homes built from horizontal log walls, with corner notching, chinking, and a gabled roof (preferred). Log homes are typically rustic or pioneer-style design and found in rural or wooded areas. Due to their unique construction materials and typical remote location, log cabins come with unique risks that tend to affect coverage availability and cost. In response to these challenges, NREIG developed CabinArmor, a comprehensive property and liability insurance package specifically for non-owner-occupied log homes. 

What does CabinArmor cover?

CabinArmor seamlessly integrates with NREIG’s monthly reporting structure, offering the same flexibility and convenience you rely on for the rest of your portfolio. Whether your log home is actively rented out, vacant, or undergoing cosmetic renovations, our log home insurance provides coverage for both you and your property.  

Dwelling

Dwelling coverage protects against sudden and accidental direct physical damage to the property. For instance, if severe weather were to cause a tree to fall on the roof, resulting in structural damage, you may be covered for the cost of repairs.    

National Real Estate Insurance Group offers Basic and Special Form coverage for log cabins homes. Covered perils may include, but are not limited to:  

  • Fire 
  • Lightning 
  • Windstorm and Hail  
  • Explosion  
  • Smoke  
  • Aircraft and Vehicles   
  • Riot or Civil Commotion  
  • Volcanic Action  
  • Sprinkler Leakage 
  • Vandalism 
  • Malicious Mischief 

Premises Liability

As you may know, when you own and rent out a log home, you open yourself up to liability risks. A Premises Liability policy offers you protection against liability claims that can arise from incidents on your property. Examples may include:  

  • If someone were to slip and fall on your property
  • If one of your tenant’s dogs were to bite someone on your property   
  • If your tenant suffers medical issues from a carbon monoxide leak 

*Medical expenses are included for third parties. 

 Our liability options start as low as $7 per month, per property, and come with a $1MM per occurrence, $2MM aggregate limit of liability.   

What deductible is right for a log cabin rental?

Your property deductible is the amount that is withheld from your insurance payout for a claim. You don’t need to pay the deductible out-of-pocket upfront for your claim to be processed. Instead, the deductible is subtracted from the total payout amount. When deciding on a property deductible, think about the minimum claim you would have to turn in before it harms your business and do as much as double it. If you wouldn’t ever file a $1,000 claim, don’t carry a $500 deductible. Remember, the lower your property deductible, the higher your rate. Our liability insurance has no deductible. CabinArmor offers property deductible amounts of $2,500, $5,000, and $10,000. 

*Locations insured with CabinArmor must also carry a Tenant Protector Plan® policy. Wildfire scores may impact coverage availability. The property must have working utilities, including electricity and water, to be eligible for coverage. 

If you have questions regarding insurance for log cabins, feel free to contact an NREIG Sales Advisor or your Client Service Advisor.