Funny, we have three wood stoves. After 25 yr. with Farmers, agent stopped by again [they seem to do this every five years or so] and looked over our place. No comment on the three stoves or the open fireplace. Actually, nice guy.
Several weeks later, we get a certified letter about our rate going up since we don't have a fire hydrant nearby. Everyone is well-water supplied here, no utility water or sewer. Plus, our golden retrievers are "large and potentially dangerous" dogs.
This was a year ago. Then, at the end of last year, we are notified our rate is doubling due to Colorado's wild fires last season. [Not near here, but we live in the mntns.]
That is not just the rate increasing, that is the annual rate doubling. Though they did offer us a few options to pay every few months rather than annually. [For a service fee added for the paperwork.] I dropped them and we are uninsured. I figured out we are working almost two months of the year to pay the house insurance. Or, we would be if we had kept the policy. I realize we will NEVER be able to get another policy, living up here. I did shop around some: various reasons they rejected us included the lack of "central heating" and the golden retrievers. Sometimes it was the wood stove thing. One place insisted we had a wood roof and I insisted it is standing seam steel of 18 ga. They said nope, it is wood. No idea where their heads are, but I gave up and we will be "self-insured," meaning we simply don't have insurance. I did take the new premium amount and stick it in a dedicated savings acct, as I will do each year. Won't cover the loss of the house, but I am not gonna put up with them any more.