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 - Tractor Profile: Oliver 70 Row Crop - by Staff. The Oliver 70 was part of the "Fleetline Series" and was manufacturered from 1937 to 1948. The row-crop configuration could have either dual or single front wheels. The Oliver 70 was also offered in the standard, orchard and industrial configurations. The tractors were sold in Canada. An early advertisement states "Power when you want it - power when you need it - power to help put in crops when field conditions are right and time and help are limited. That's the power you'll find in an Oliv
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