Does anybody know of an insurance company that doesn't gouge one for having a professionally installed woodstove.
Mine was installed when I built my house 23 years ago. I recently switched insurance companies because State Farm was going
to increase my insurance by 1000.00 per year. I went with a different company, told the agent I had a woodstove and paid my premium for the whole year. 2 months later they wanted an inspection done and then sent me a letter saying my premium will be increased by 227.00
for coverage on the woodstove.

I have progressive and I had state farm

state farm was just strait up dropping 2 of my cars

technically the progressive name is auto owners home owners insurance and their auto insurance is artisan and truckers. but names

I went through the independent broker that the daughter if my State farm agent works for , the state farm agent tried to appeal 3 times I had been insured with state farm for 30 years and it cost them a customer I never filed a home owners claim and had 2 small claims for my kids in auto , they are "modernizing" policies it started with WI last year , they just plane would not insure 2 of my cars any more

funny thing is 2 days after switching to Progressive , a State farm insured car rear ended the car state farm wouldn't insure any more and state farm got to fix it.

Is the wood stove your sole source of heat ?

It's not my whole source of heat. I have a forced air gas furnace.

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

I had to fill out a questionare about the wood stove

or

have it inspected

I sent pictures and measurements and the copy of the manual

State farm cut me off like 40 years ago for the same thing.

Yep, they always ask if it's your primary heat source....The correct answer is always no.

The one that rubs me wrong is my cabin by talkeetna I have to pay property taxes on. I see none of the benefits, I’m too far out. My access is maintained by yours truly, and if my cabin catches fire, I’ll be the only one putting it out. So I’m paying for people in wasilla to have plowed roads and emergency services, all I get is left alone (which is my primary goal, but I hate paying for stuff I’ll never get to use). My other cabin is in Edna Bay, where we have no taxes and no illusions that anyone but the coast guard is coming to help with anything

State Farm is terrible. Heard the wood stove stories, now they are dropping people that have roofs older than 15 years. I am in the exterior business and have seen decent folks that take care of their properties get letters stating they they must replace their 15 year old roof within 3 months of receiving notice or face cancellation.

my roof is 20 years old , but it is a 12/12 pitch with 30 or 35 year shingles , the new company would not cover my roof under the policy , fine , it is 20 years old , I am not looking for a free roof from an insurance company , when it is time I will just replace it.

seems like State farm is cutting their nose off to spite their face.
30 years I paid in so much more than they ever paid out I was a a sure thing money every month on time.

So is it cheaper if it’s your back up heat or is it cheaper if wood is your primary source?

Wood is our primary heat, at our house and cabin
I think on both of them and it’s only like $40 extra a year
I believe we have American family

Our agent told us if he drives by and sees smoke, he will cancel our policy.

I told him if he sees smoke, our house is on fire.

We installed ground source 9 years ago, have zero negatives to say.

I still cut between 15-20 cord of would a year and sell. Just get to do it on my time schedule.!

Called my State Farm agent about 25 years ago when I did an addition and added another wood stove.
External chase, so figure'd I call him before I buttoned everything up with stone, lol.
He came out, said " I don't know much about them, but looks good to me".
I asked, " Can I get that in writing?"
He did.

No change to rate.
He just retired, so ???

mine doesn't raise it much, inspector said best installation of wood stove he ever seen nothing burnable with in 6 feet

Yes, I told them it was not my primary source of heat. It's also noted in the inspection that was done.
I'm not wringing my hand over the 227.00 I'm just a little miffed that I told my agent I had a woodstove, paid for a full years coverage and now 2 months later they're saying wait a minute we want more.

Been looking at insurance companies. Been with Farm Bureau 30 + years. Last one came and took pictures for farm insurance, auto, boat and utv. Saw we have a pet fox, said we were not insurable as we had exotic animals on the property. mike

Most insurance companies do have a surcharge for a wood stove. A wood stove is a no-no if it's in your garage. I don't know of any company that will insure you if that's the case.