I will have to say one thing, we have Farm Bureau, and they have been the least picky about anything. Just to give you an idea....
They had no problem with the woodstove, and didnt increase our rates because of it.Didnt seem to even care.
When the agent did a walk through of my shop, he spotted the very large steel cabinet and the sticker that said, "warning, explosives" and said, "nice antique, whatcha got in there?"
When I replied that it wasnt a antique but was full of dynamite, his eyebrows danced a jig across his glasses, and he waggled his ears for a full minute, but then wanted to take a look.I showed him the locks, the heat resistant walls, and the inner packing of the dynamite cases, and he said, "well, looks like you got things secured."
Made a few notes on his pad, and that was all.
Next was the workshop with the homemade barrel stove, and didnt bat an eye.Scribbled down a few things, measured the outside dimensions of the shop and house, and left.
While I did have some heated words with them this summer over our water damage claim, they eventually paid up.All in all, Farm Bureau has been painless to deal with, and I have all my insurance with them including car, house, shop, and extra policies on my atv's, guns, tools,business tools, computer equipment, and my wife's camera gear.