log cabin insurance

CabinArmor—Log Cabin Insurance for Investors

Renting out a log cabin comes with a unique set of risks, requiring a specialized insurance policy. It’s important to carry insurance coverage that accounts for the distinct features of log homes and non-owner-occupied properties. National Real Estate Insurance Group offers custom property and liability packages to protect your investment and your business.

Submit your property information using our online proposal request to receive a quote. An agent will contact you to go over your custom insurance options and help you choose the best coverage for your property.

Start a proposal request to get your log cabin insurance solution today!

What does log cabin
insurance cover?

When renting a property to someone else, dwelling coverage can protect your property against direct physical damage to the property, such as:

  • Fire
  • Lightning
  • Windstorm and Hail
  • Vandalism
  • Theft
  • Named Windstorm and more

Choose between Basic and Special form coverage when discussing insurance options with your agent.

Liability insurance for
log cabins

Premises Liability coverage is critical in protecting you, the investor, from claims that happen at your investment 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 due to a carbon monoxide leak
  • Coverage extends to pools and spas, provided they meet code
  • Medical expenses are included for third parties

Our liability insurance options start as low as $7 per month, per property and come with $1,000,000 per occurrence and $2,000,000 aggregate limits of liability.

cabinarmor logo for cab insurance for real estate investors
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Are log cabin rentals insurable?

Yes! Log homes are insurable as investment properties, but they come with unique risks that may affect coverage availability and cost. Due to their construction materials and typical remote location, log cabins are generally considered higher risk properties to insure. NREIG developed CabinArmor as a solution to these challenges, offering comprehensive protection for log cabins where traditional insurance often falls short.

Are log cabins more expensive to insure?

Log cabin insurance costs can vary greatly based on coverages you choose to carry, deductible, where the property is located, etc. With NREIG, you can insure your log cabin rental property at $75 per square foot to obtain Actual Cash Value coverage with no coinsurance and only $120 per square foot for Replacement Cost coverage. Because of our monthly reporting form, you can pay for coverage monthly, never overpaying for rental property insurance.

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, $10,000.

Why choose us when insuring your log cabin?

Ease of Use

Insure your entire investment portfolio on one monthly schedule.

Pay Monthly

Set up auto pay and pay for coverage monthly as-you-go

Leading Carriers

All coverage underwritten by AM Best “A-” or better rated carriers

Nationwide coverage

Insure your investment portfolio in one place with coverage across 48 states

Request a Proposal

Add more coverage to your log cabin

With National Real Estate Insurance Group, you can add extra coverage options to your log cabin insurance. After you request a proposal, an agent will contact you to discuss your proposal and coverage options to limit your exposure. We have products ranging from flood to equipment breakdown to additional liability limit options.

Manage your rental property insurance coverage with ease

When insuring your properties with NREIG, you can make coverage changes and pay for coverage as-you-go. Our clients can choose to manage their account online 24/7 or work one-on-one with a Client Service Advisor.

NREIG Client Portal

Easy Pay

Our monthly reporting form means you pay for coverage monthly as needed. Set up auto-pay to draft your costs electronically each month, or pay one year in advance and we will apply charges every month.

Make changes to occupancy status, coverage, and insured value as needed and cancel coverage when you sell the property. With no minimum earned premiums, you only pay for the months where coverage is needed.

Online Portal

Manage your account online 24/7. Our online portal allows you to:

  • View all properties on your account
  • Get an Evidence of Insurance
  • Pay for coverage and more

If you prefer to work with an insurance agent directly, you will have a Client Service Advisor to help you manage your account.

Request a Proposal

Need to speak to an agent?

Please give us a call at 888.741.8454 to speak to a licensed insurance professional. If you would like to discuss your specific location, please request an insurance proposal and one of our agents will contact you shortly.

Want to learn more about log cabin insurance?

Read one of our articles about insuring log cabins and wildfire-prone properties or go to our Resource Center to learn more about different insurance topics.