1. 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.

Ilari & Tytti owner built their own straw bale natural home
Big bushfires in America swept through and took out many homes. The only thing left standing on this straw bale granny flat were the walls.
The straw bale home was left in tact
Kids lit firecrackers which then lit the loose straw on the building site. The full bales were still in tact and didn’t burn, however the rest of the building did go up in smoke. The insurers did pay out and now they have a beautiful home
Clive built his straw bale home and shortly afterwads a fire swept through.
Emergency services protected the home which was helped by good access around the home and a clearing. Usually fires run up hill which is why the BAL involves taking the slope of your property into consideration