I've got three houses and every one of them has wood heating - most in duplicate (wood furnace and a smaller wood stove). In all three, the wood stove in inside the house. In two the woodfurnace is down the basement, and in the third - in a room attached to the house. In addition, the house we live in full-time has - the wood furnace attached to the house, a woodstove in the living room, a Rumford wood-cooking fireplace and bakeoven in the kitchen, and a wood-cook stove in the kitchen. And, I had no trouble getting homeowner's insurance on any of them. Insurance guy came out, checked everything, photographed, etc.
So, when you say "most" don't allow - you've got me wondering who those "most" are?
All that counts is you get insurance that you need for a decent price. If, in your locality, for your house three companies say "no", and three more say "yes" - seems there's no problem.
I got refused by one company because I have two horses and a herd of goats. I got refused by another because I've got over 50 antique farm tractors stored in a distant field that you cannot see from the house and road. That's just the way it goes - they all have different rules.
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Today's Featured Article - Two-Brush Generators - by Chris Pratt. Whether for product liability or because the aftermarket parts and labor business is lucrative, this concept is disturbingly prevalent. Fortunately when you step into your shop and make that jump 50 years back in time to work with your old tractor, this concept goes out the window. Even so, when it comes to the charging system, people quickly revert to this idea and start replacing the major components one at a time until it works. The reason you don't find any decals in your replacement set wit
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