FACT: The primary reasons there might be difficulty is that the house is either poorly designed (a problem that a conventional home could also have and not be insured for) or it is located in a high-risk area. A high-risk area would include a rural setting where there are far more trees and fire hazards than there are firefighters to put out flames. While these rural areas do have less firefighting power and equipment, if you live in one of them, a log home tends to be significantly safer than a conventional home because the logs burn slowly. But, since this type of area is a common place for log homes to be built, it’s easy to see how the myth about insurance got started.
If you find yourself in a position where you’ve been turned down by an insurance company, keep looking! Not all companies are the same and each will judge risk by different criteria.