So recently I decided to switch insurance companies because Allstates rates kept climbing. I called a local insurance agency and met with an agent who found us a policy with more coverage for both home and auto for a couple hundred a year less. Now, a month AFTER the new policies took effect, my agent calls and asks "Do you have a wood burning stove?" Really? Isn't this something you should ask before you write the policy? Besides, I gave him a copy of my allstate policy that showed I had a wood burning fireplace. Anyway, I say yes and he asks if it was professionally installed, and I say yes again. He says it "shouldn't" be a problem, but I will call you tomorrow. Well I hope not, it wasn't an issue for Allstate. I told him that Allstate did not raise my rates when I had it installed because I was already being charged for a wood burning fireplace. I told him that I thought wood burning inserts were safer than fireplaces anyway. He said it's the opposite. I am hoping he is confused by terminology, stove vs. insert. This could not turn out well for me, we'll see.