- Insuring a straw bale home or natural home that’s been built
Insuring your natural home that has been made of mudbricks, rammed earth, hempcrete, cob, light clay straw should be like insuring a conventional home – if it’s been built to the building codes.
At this time in writing, try using using an insurance broker or go direct to some insurers like: Bendigo Bank, NRMA and GIO. NRMA do allegedly payout which is what you want should you ever need to make a claim.
We recommend being vigilant in getting your home inspected internally and externally for termites and keeping all garden and other buildings or materials away from your home so they cannot get easy access into your home.
Do have a bushfire safety plan and reduce the fuel load on your property, upkeeping an asset protection zone.
The Owner Builder wrote an article which you may like to read http://www.allrisk.com.au/Information/InsureMe_p1.html
2. Insuring a straw bale or natural home while building it is a different story. There are a few insurance policies to take out:
Before signing a contract with Your builder, ask to see the Certificates of Currency for their contract insurance, workers compensation with iCare, home building compensation (home warranty certificate), public liability to $20 million. Their policy needs to cover volunteers if they run a workshop.
If you’re the Owner Builder, take out workers compensation with iCare to cover any on-site injuries, building insurance during the build in case something goes wrong and public liability insurance to list a few.
It pays to have insurance. It’s also piece of mind that your efforts are covered.