I've got USAA and replaced a pellet stove with a wood stove. I called and specifically asked if it's covered, if it needs to be inspected, etc. The guy told me no, nothing changes because my insurance already lists my primary heat as wood. I installed my stove myself.
Same here, but not primary heat. Just threatening to change carriers has dropped both my auto and home insurance, but it's trick you can only do every few years. Luckily my allstate agents keep retiring, so I 'threaten' each replacement agent that I'm moving to Geico unless they can drop their rates.Never saw a rate change with Allstate as place had a smoke dragon when we bought it.
We had to switch over to State Farm when we moved into our new home heated solely with a wood stove. Their only concern was our approximate distance from the nearest fire department.
Should you call them? I just asked an insurance person for you (my wife). She says your "suppose to" let your ins co know. And ins co's are all over the place on wood/pellet burning. Some require professional installation, some require permits, some require nothing but notice. Some will add to your premium (mine does $50) some won't. If your wood/pellet burner is primary source of heat, some will not write the policy. Just like everything else, you have to shop. In the case of calling, you don't want to ask after a claim to find out.
Same here, but not primary heat. Just threatening to change carriers has dropped both my auto and home insurance, but it's trick you can only do every few years. Luckily my allstate agents keep retiring, so I 'threaten' each replacement agent that I'm moving to Geico unless they can drop their rates.
TE
There is an insurer for everything. You most likely would be assigned to a "special risk" pool. This is actually what my wife does. She insures specialty autos, extreme jewelry, even clothes (yes, some people do have $$ closets). With this type of coverage, yes, premiums are higher than the norms.We're so screwed here at our house, I doubt we'll ever get homeowner's insurance. Three wood stoves, no central heating system, six golden retrievers, and nearest fire hydrant 4 miles away. That last one is the first thing I've been asked when shopping the past year. Now and then, every few months, I do a little shopping just for the heck of it. Last week, five different insurers asked me, right off, how far from the nearest hydrant. Conversation was over within a minute each time. With Geico, lack of central heating system killed the deal before they asked about the hydrant.
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