If I were you I'd find another insurance company and tell the ones that think a properly used wood heater is a fire hazard to kiss my a$$. Now it it's a homemade 55 gallon barrely type of deal that's rusted through in half a dozen places I could understand their concern. Thing is buildings were heated with wood, coal, etc and didn't burn down, for hundreds of years before the idiot telling you not to burn one was even a gleam in his daddys eye. What makes a properly piped stove, that's within code (making an assumption that yours is), any different now than then????? Given your situation I can't see where you have alot of choice but to bow to them and kiss their a$$, or exercise your right to tell them to kiss your's and find someone that uses a bit of common sense instead of getting on a power trip about something that they have had no problem with for a number of years, but now have decided it's a problem for them and want to make it one for you too....
Personally when my long time insurance company sent someone out to my place to roam around, without me home, and then started telling me that I needed this and that to be within their guidelines, or they'd drop me,(((after me paying them for coverage for nearly 15 years without any real changes to anything they said they now didn't like))). Needless to say, I started shopping around. I wound up with another company, and better coverage on my house. I had my service truck through the company already so I went ahead and checked on bundling everything, house, personal vehicles, and my work truck. I wound up saving nearly 800 per year. The difference is my agents are from the local community, and know that they have to use a little common sense when it comes to whats important/OK, and what isn't. In other words unless your running a meth lab surrounded by vicious attack dogs, they really couldn't care less what you do as long as it's 'legal'.
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Today's Featured Article - Farmall 460: That's My Girl - by LeAnn R. Ralph. How many sounds can you think of that are as familiar to you as your own breathing? What about the hum of your refrigerator? Or the thump of your clothes dryer? Maybe the engine of your car? You hear those sounds every day, and you don't think much about them, do you. I can think of a few common, ordinary sounds in my daily life, too.
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