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Post in 'The Hearth Room - Wood Stoves and Fireplaces' started by Lowtech, Dec 9, 2012.

  1. Lowtech

    Lowtech New Member

    Joined:
    Nov 27, 2012
    Messages:
    28
    Loc:
    CT
    I decided to put a wood stove in my fireplace, still to be picked out. But I was wondering if I needed to change my homeowners insurance policy to reflex the I have a wood stove.

    Lowtech

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  2. pen

    pen There are some who call me...mod. Staff Member

    Joined:
    Aug 2, 2007
    Messages:
    7,119
    Loc:
    N.E. Penna
    Yep, they need to know.

    Is this a conventional fireplace or a pre-fab unit? Planning on putting a SS liner in?

    Also, make sure you have enough hearth protection (follow the manual for whatever stove you choose) in front of the unit for safety (which the insurance company would require also)

    Welcome to the site!

    pen
  3. burnt03

    burnt03 Burning Hunk

    Joined:
    Oct 30, 2011
    Messages:
    237
    Loc:
    Peachland, BC, Canada
    Depending on where you're at, they might have different requirements. For mine, I could have done a self install but they prefer to see it installed by a WETT certified tech. Even after that (submitting the signed work order, etc), I had to fill out a big questionnare noting measured clearances, how much I would be burning, etc etc and photos. Only ended up being $30 extra per year though, already saved that in heating bills!
  4. Lowtech

    Lowtech New Member

    Joined:
    Nov 27, 2012
    Messages:
    28
    Loc:
    CT
    The fireplace is some old type of maybe a homemade insert. The firebox is metal with a stone floor that comes out in to the room. I will try to post a few pictures. I would be interested in hearing what anyone can tell me about the set.
  5. rdust

    rdust Minister of Fire

    Joined:
    Feb 9, 2009
    Messages:
    3,878
    Loc:
    Michigan
    For mine it was easy, the house already had a natural fireplace in the Living room and the stove went in the family room. They just wanted to know the replacement value of the stove and if we had it inspected. They didn't need/want to send out their own people so it was painless.
  6. DanCorcoran

    DanCorcoran Minister of Fire

    Joined:
    Jan 5, 2010
    Messages:
    2,099
    Loc:
    Richmond, VA
    I use USAA homeowner's insurance. When I called them, they said they didn't specifically need to know (for the cabin, not for my primary residence), but they'd make a note that I have one, just for grins. They said it didn't affect rates and no inspections or certificates were needed, nor are there any local (WV) regulations.

    Needless to say, it was installed by local stove company using all new, quality materials and in accordance with stove manufacturer's recommendations.
  7. firefighterjake

    firefighterjake Minister of Fire

    Joined:
    Jul 22, 2008
    Messages:
    15,669
    Loc:
    Unity/Bangor, Maine
    You need to call them . . . this may result in a change to the premium or none at all . . . they may want to send an agent to check things over, require a professional installation or not do anything except to note it in your policy.
  8. Elle

    Elle Member

    Joined:
    Apr 20, 2012
    Messages:
    138
    Loc:
    North East Pennsylvania
    I checked with my insurance company to make sure there are no issues. The only thing they require is that it is installed to manufacturer specifications for clearances and nothing more. My premiums will stay the same. HOWEVER...I had paneling in my house...I recently took all that off and put up drywall....they said that if I had paneling they might increase the premium but since I put the drywall up they will not... so take that for what it is worth. I could do it myself if I want and they don't need to check it. Of course I am having it professionally installed and I will take pics at every stage with a measuring tape just so they have proof that I met the clearances. That's just me being anal though....
  9. pen

    pen There are some who call me...mod. Staff Member

    Joined:
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    Messages:
    7,119
    Loc:
    N.E. Penna
    Look forward to seeing them. Having a couple sets of eyes check out the plans before inviting a live fire into a home is always a good idea.

    For the best advice, since the discussion wouldn't be about insurance,start a new thread with any questions about a switch over that you have.

    pen
  10. PLAYS WITH FIRE

    PLAYS WITH FIRE Minister of Fire

    Joined:
    Jan 28, 2011
    Messages:
    639
    Loc:
    Pittsburgh, Pa.
    I called and told mine and said basically they will put a note in the my file and no increase:
    insert
    full masonry fireplace
    no inspection
    no increase

    I feel much better knowing they know!

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