Insurance for Your Straw Bale House
Finding a home insurance company willing to insure your straw bale home may be difficult or may indeed be impossible. This is not because they are not worthy of insurance but because many insurance underwriters are operating from a place of fear and ignorance. Many underwriters I have heard from have said they could not write a policy because of the risk of fire yet all of the evidence points to the FACT that SB homes are far more resistant to fire than conventional homes. Below is a link that will take you to a list of insurance companies that you may want to contact including State Farm, Farmers, Allstate, and Farm Bureau among others.
Click on the following link SBRegistry.GreenBuilder.com to see a list of companies that can, will, and currently do provide insurance for bale homes. If you click deeper in the website, you may even find the name of an agent in your area who can help you. If all else fails, you can tell the insurance companies that you are building a post and beam home (as long as you are not building load bearing). After all, when was the last time you heard a conventional builder or home owner tell the insurance company that they were building a fiberglass insulation home?
The bales are insulation, nothing more, so don’t tell the insurance company more than they need to know. Having said that, I want to promote the use of straw bales and so I always encourage owners to try and insure the home as a SB home first and only resort to the “less information module” when forced to do so. The more the insurance companies here about straw bale, the sooner they will have to stand up and notice the growing industry.