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Insurance companies are concerned with facts and figures that indicate levels of risk. The existing research for straw bale homes scores positively with most insurers, especially the excellent fire ratings. Many insurance companies already have these test results on file; others are willing to consider them if you submit them with your application.

Building code approval is usually the only structural requirement of insurers, so with a permit and fire test ratings, insurance is usually attainable. Some bale homes have even been insured at rates lower than similarly sized conventional homes.

However, it may take the same kind of determination as with lenders to find the right insurer. Your role as educator, confident planner and builder, and well-researched client cannot be underestimated.

Some builders want to have their project insured during construction. In this case, the fire hazards of loose and unplastered straw may cause rates to be higher than with more conventional projects.