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Re: Woodstove and homeowners insurance [Re: lobo] #8392083 04/24/25 11:06 AM 04/24/25 11:06 AM
Joined: Dec 2009 The Hill Country of Texas Leftlane "HOSS"
Leftlane "HOSS" Joined: Dec 2009 The Hill Country of Texas	Lobo- your agent possibly didn't enter all your risk information correct when quoting and selling you the policy. I'm not sayin it is what motivated your agent, but some do that sort of thing on purpose to quote you a low price and make a quick sale. Things like wood stoves, pools, and some breeds of pets are considered higher risk and an equivalent premium is charged for them. As a guy who works claims as an independent and now specializing in mishandled claims- I'm happy to hear you got rid of SF. I've known them to be problematic. ï¿½Whatï¿½s good for me may not be good for the weak minded.ï¿½ Captain Gus McCrae- Texas Rangers

Re: Woodstove and homeowners insurance [Re: lobo] #8392121 04/24/25 12:51 PM 04/24/25 12:51 PM
Joined: Nov 2014 east central WI D Dirty D trapper
Dirty D trapper D Joined: Nov 2014 east central WI	When asked by Ins. co. if I had a wood stove I told them no. I have a masonry heater, much safer than a wood stove. Explained why, the firebox doors are never opened while its burning, it burns very efficiently, I only burn very dry wood thats seasoned at least 2 years but usually 4 years so no creosote and the fire runs only about 2-3 hours per day typically. They didn't charge us anything extra for the Heater.

Re: Woodstove and homeowners insurance [Re: NE Wildlife] #8392127 04/24/25 01:16 PM 04/24/25 01:16 PM
Joined: Mar 2007 McGrath, AK W white17 "General (Mr.Sunshine) Washington"
white17 "General (Mr.Sunshine) Washington" W Joined: Mar 2007 McGrath, AK	Originally Posted by NE Wildlife Originally Posted by white17 Did they ask you that or did you tell them ? I know the insurance companies up here want to know if wood is your primary source or just a back up. It makes a big difference in the cost. But if you avoided a 1000 dollar increase by changing companies, you're still ahead. But it would be nice to know up front So is it cheaper if it’s your back up heat or is it cheaper if wood is your primary source? Cheaper if it is "backup" Mean As Nails

Re: Woodstove and homeowners insurance [Re: lobo] #8392223 04/24/25 04:56 PM 04/24/25 04:56 PM
Joined: Dec 2006 Northern Maine Bruce T trapper
Bruce T trapper Joined: Dec 2006 Northern Maine	I have Aegis homeowners insurance and they don't ask. NRA,NTA,MTA,FTA #1 goal=Trap a wolverine

Re: Woodstove and homeowners insurance [Re: Bruce T] #8392319 04/24/25 07:49 PM 04/24/25 07:49 PM
Joined: Aug 2010 Asheville, NC C charles trapper
charles trapper C Joined: Aug 2010 Asheville, NC	Is your stove UL approved? That was important when I was in the insurance business. Companies did not like homemade devices.

Re: Woodstove and homeowners insurance [Re: lobo] #8392520 04/25/25 06:53 AM 04/25/25 06:53 AM
Joined: Dec 2006 Illinois L lobo OP trapper
lobo OP trapper L Joined: Dec 2006 Illinois	Stove is UL approved. It was put in new to code when I built my house in 2002. I use dry hardwood and clean my chimney regularly.

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