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Thread: Homeowners Insurance with a Wood Stove Question?

  1. 10-08-2008, 06:00 PM #1
    papossefan
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    Homeowners Insurance with a Wood Stove Question?

    I am in the process of purchasing my first home and have some questions about getting insurance with a wood stove in the basement. The wood stove in on its own flue, which had a stainless liner put in it a few years ago. However I have been told by a couple people that it is hard to get insurance these days if your stove isn't UL listed. Is this true??? If so, does anyone know if any of the older wood stoves like kodiak, Alaska, schrader, etc. are UL listed? Thanks in advance for any info anyone can give me.

    Ryan
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  2. 10-08-2008, 06:19 PM #2
    TechAlG
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    The insurance company I work for doesn't ask about it being UL listed. In PA, just having a woodstove will not disqualify you either. I do think it will raise your rates, though.
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  3. 10-08-2008, 06:23 PM #3
    papossefan
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    Good to know, hopefully I don't have too much trouble. Thanks.
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  4. 10-09-2008, 03:42 AM #4
    MNfarmer
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    my insurance company came out and took some pictures and measurements and that was it. Of course the premium went up!!! But compared with the amount of money I would have spent on fuel oil.. the higher ins. premium was a bargain!
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  5. 10-09-2008, 03:51 AM #5
    avalancher
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    I called my insurance company about my rates when I installed a woodstove, they said that as long as it is installed according to building code there would be no additional premiums on my bill. Dont know what building code they are talking about, we have NO building code here what so ever.The only thing that is inspected when you build a new house is the electrical. We dont even have to have a building permit to build ANYTHING, including a house.
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  6. 10-09-2008, 03:58 AM #6
    Moss Man
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    I had to have the local fire chief come over and inspect my installation before I could get insurance, he made me screw the stove pipes together but other than that eveything was A O.K.

    Not sure about the premiums, I assume mine are higher from the wood stove.
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  7. 10-09-2008, 07:00 AM #7
    sloth9669
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    my stove

    in my town you need to get a permit and a ul stove. that is the town.....the insurance didnt care and it was 5% increase in rates for alt heating method.
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  8. 10-09-2008, 07:10 AM #8
    Zodiac45
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    Just call it a stove and not a heater for one thing, and as long as it's not the primary source you'll be ok. My insurence didn't seem to care a bit about my cookstove even though it heats more than the oil burner.
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  9. 10-09-2008, 01:55 PM #9
    bore_pig
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    My insurance went up by $35 a year. Nobody even came to look at it. They just asked if there were any combustibles nearby.
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  10. 10-09-2008, 02:00 PM #10
    avalancher
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    Quote Originally Posted by bore_pig View Post
    My insurance went up by $35 a year. Nobody even came to look at it. They just asked if there were any combustibles nearby.
    Nope, no combustionable nearby. I stack a little wood around it to dry it off, the wife hangs laundry on a rack nearby, and a few stacks of newspaper to start a fire with.Oh, wait...diesel fuel burns I guess. I keep a jug of it handy to start fires quick in the morning. Other than all that, no combustionables nearby.
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  11. 10-09-2008, 02:02 PM #11
    biggen0_8
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    When we bought our house it already had a woodstove in it. We checked with our homeowners insurance agent and he said as long as it had double wall flue from the ceiling through the roof, there was no increase. He never did come and look at it. Just had us email him pictures.
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  12. 10-09-2008, 05:17 PM #12
    23putts
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    My insurance company "State Farm - Missouri" insists the furnace be UL listed or they would not carry my insurance. I would ask your agent, then get their regulations in writing before you install one.
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  13. 10-09-2008, 05:40 PM #13
    Joshlaugh
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    My insurance agent came out, took pictures, got serial numbers etc. There was a form to fill out(isn't there always) and my rate went up $50 or so.
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  14. 10-09-2008, 06:27 PM #14
    woodfarmer
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    Quote Originally Posted by avalancher View Post
    Nope, no combustionable nearby. I stack a little wood around it to dry it off, the wife hangs laundry on a rack nearby, and a few stacks of newspaper to start a fire with.Oh, wait...diesel fuel burns I guess. I keep a jug of it handy to start fires quick in the morning. Other than all that, no combustionables nearby.
    so are you just being silly or do you not know everything you listed is combustible?
    all non ul woodstoves should be 48" from combustibles, 60" top of stove to ceiling combustibles, certified stoves will have a plate usually on the back of the stove that list clearance to combustibles
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  15. 10-09-2008, 08:47 PM #15
    mranum
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    I have American Family here in Wis. and I was told it had to have a UL label, even an OWB had to have the UL label. I was told that they had a client who decided to put in a OWB without checking with them. He went and bought from someone who was custom making them, installed everything they way it should have been and then called the insurance company. He was told that either the OWB had to be replaced with a UL listed one or to find another carrier. Not sure which one happened.

    I was also told that putting in a pellet stove or a free standing stove would raise the rates a bit. I put in a high efficiency fireplace and was told that those were exempted from any additional fee increases, must have been true as my rates never went up.
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