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Wood Stove Insurance

Insurance is something to keep in mind when installing a new unit or making upgrades.  Making sure that your installation is up to code and you can avoid major headaches.

In most cases, these are treated similar to a fireplace.  Making sure that clearances are there and a good pad base will be a good start.  Definitely follow the manual and the manufacturers recommendation, and look to exceed those guidelines when possible.  You’ll also usually need to get it inspected by the agent, sometimes initially and again once a year to look for issues.   These inspections will usually be followed by the manual, so another reason to go by the book.

Coverage for wood heaters will vary state to state and by provider.  It also depends on your location and where the unit is located.  For example, many insurers are OK with a stove in the main house, but won’t insure out buildings or other structures.  The risk of uncontrolled fire in these unattended areas is greater.  Some providers won’t offer coverage for them at all, although this is rare.  If you are denied, more than likely its due to other factors playing into the equation as well.  In many cases, though, your premium may go up, so factor that into the equation when looking at all of the costs involved.  In most cases its not much more than about $100 a year or so.  Some agents require than the units be UL listed, so check to see if that’s the case.


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