Good morning everyone, I checked in with my insurance agent last week about my plans to install a IWB and I'm wondering what your experiences have been like. I've been with the same State Farm agent for over 10 years and this is what she told me. - I can't replace my oil burner with wood and be insured - no problem there - Wood device has to be on own flue - $45\year fee for having a wood burning appliance - about another $40\year to cover the replacement cost of the system in case of loss She said they'd come out and take pictures after the install and I'd be all set. How does that compare to your experience? It seems almost a little too easy, so I'm afraid I'm missing something. But at the same time, I don't want to look a "gift horse in the mouth". Do the rates sound reasonable? Thank you.