Log Homeowner Insurance provides specialized coverage uniquely designed for log homes and timber frame constructions.
These homes, often built by skilled craftsmen—including those insured under our Woodsure Program—represent a level of artistry and precision that standard home insurance may overlook or avoid entirely. Our tailored policies are crafted to protect the distinctive beauty and value of these structures, giving homeowners the confidence to embrace their investment.
With many of our Woodsure clients being premier log home builders and timber framers, we understand the intricacies of these homes and their construction. Our insurance ensures this craftsmanship is fully protected, safeguarding both the structure and the homeowner’s legacy.
Eligible Risks
Seasonal Homes
Short-Term Rentals
Secondary Homes
Owner Occupied
Tenant Occupied
Mixed Occupancy
The Woodsure Advantage
Serving the Canadian wood industry with price, coverage, and service stability.
Comprehensive Coverage
Protect your log or timber-frame home against unique risks like fire, weather-related damage, and more. Our specialized coverage is designed to safeguard your investment and provide you with peace of mind.
Material-Specific Policies
Your home is one of a kind, and so is its structure. Our policies recognize the distinct characteristics of log and timber-frame homes, offering protection tailored to their unique needs.
Customizable Plans
Your lifestyle and home are unique, so your insurance should be too. Whether it’s your primary residence or a vacation retreat, we’ll tailor coverage to meet your specific needs.
Experience with Craftsmanship
Your log or timber home is a work of art, and it deserves insurance that values its craftsmanship. With expert partners, we ensure accurate valuation and full protection for your investment.
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COVERAGES
Woodsure’s Broad Coverage
Our coverage solutions consider your unique needs, is broader than generic homeowner insurance, and offers a wide array of policy coverages with robust limits.
Building
Personal Property
Fair Rental Value
Other Structures
+ Living Expenses
Cosmetic Renovations
Earthquake
Personal Liability
Sewer Backup
And Many More…
Frequently Asked
Get the Answers You Need About Log Home Insurance
Log homes have unique construction materials and characteristics that set them apart from conventional homes. These factors, like the use of timber and specific maintenance needs, can affect the risks associated with insuring a log home. Therefore, log home insurance is often specialized to address these unique aspects, providing coverage that better suits the needs of log homeonwers.
Yes typically. Log home insurance can have higher premiums due to factors like the increased risk of fire, susceptibility to weather-related damage, and the specialized nature of the home’s construction. However, costs can vary based on location, the specific characteristics of the log home, and the insurance provider.
Log home insurance typically covers:
Structural Damage: Protection for the log home itself from risks like fire, storms, and other natural disasters.
Personal Property: Coverage for the homeowner’s belongings inside the home.
Liability Protection: Covers legal and medical costs if someone is injured on your property.
Additional Structures: Coverage for other structures on the property, like garages, sheds, or guest cabins.
Specialized Coverage: Some policies may offer protection against issues unique to log homes, like rot, insect infestations, or wood decay.
Location: Proximity to fire services, weather conditions, and the risk of natural disasters.
Construction Materials: The type of wood used and the overall construction quality.
Age of the Home: Older log homes may be more expensive to insure due to wear and tear.
Maintenance History: Regular upkeep is crucial for log hoes, and insurers may require proof of maintance.
Home Value: the replacement cost of the home and its contents.
Safety Features: Smoke detectors, fire extinguishers, and security systems can lower premiums.
If your log home is in a high-risk area, (e.g. prone to wildfires or floods), take proactive steps to mitigate those risks. This might include creating a defensible spare around your home, installing fire-resistant roofing, or reinforcing the structure against wind damage. Additionally, ensure you have adequate insurance coverage for those specific risks, even if it means paying a higher premium.
Yes, significant renovations or additions to your log home should be reported to your insurance provider. These changes can affect the value of your home and, consequently, your insurance needs. Updating your policy ensures that your home remains fully covered in the event of a claim.
OUR INDUSTRY PARTNERS & ASSOCIATIONS
As a member of the wood industry and serving the wood industry for over 20 years, we keep our finger on the pulse of market dynamics, industry voices, growth, and concerns, and we participate in these conversations.
