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Some homeowners insurance companies charge more in premiums if your home has a wood burning stove. It pays to shop around when looking into insurance in order to see if the insurance company charges more. Some insurance companies won't charge more if you prove the stove was installed correctly.
Wood stove insurance is a very large topic in the insurance industry as any type of auxiliary heating needs to be declared for all home insurance companies. There are questionnaires and certain requirements that need to be met to ensure your wood stove is in safe, working order and building code compliant.
Meeting Codes. In order for an insurance company to approve a wood or pellet stove, homeowners must provide insurers with proof that the stove has been installed in accordance with local fire codes.
Homeowners insurance and wood stoves. Your home insurance provider will probably send an inspector to your property after you inform them about your wood-burning stove. If they require an inspection, your insurer won't cover you until you've passed. A wood-burning stove, like a conventional fireplace, requires a connection to a chimney to ...
What's worse, there are many records of rejected insurance claims for house fires due to the non-disclosure of burning stove installation. How Burning Stoves Affect Your Homeowners Insurance. The unfortunate truth is that you will pay higher premiums if you have a wood or pellet stove in your home.
In 2007, 74-year-old Hubert Thomas’s wood stove started a fire in his home. The New Brunswick man’s insurance company, Aviva, voided his comprehensive home insurance policy and denied him coverage because he had installed the stove in 2001 without telling them.