This is one of the things I needed to check into as part of the process of deciding which gaser to buy. Here is what I found out. The ins co (here) really does not want to see one of these in the basement of my home. They view them as having a fuel source that would be difficult if not impossible to control in the event of a failure of the unit. IE: uncontrolled combustion. The way it was explained to me; the ins cos have gotten very used to fossil fuel risks, oil, gas, propane & they are very hesitant at best to return to any type of solid fuel combustion, wood & coal in houses. They see solid fuel boilers as needing to store their fuel in the firebox & then combust it, vs fossil fuel boilers that bring in their fuel from "outside the home" on an as needed basis. Best quote our agent could get for us was a 25% increase. He also let us know that most of the companies would want a rider on the policy re: the wood fired boiler. Now keep in mind we have had a 30+ year relationship with this agent & have always found his prices competitive & his service top notch. The ins cos are more comfortable if we move the boiler outside the home ( I guess they have gotten used to OWBs). Another thing presented to us was a further rider on the policy about storing wood in the home. None of these ins cos want any wood in the home, we were told that if we store gasoline for example in the garage then insurance is invalid on that building, same goes for storing wood in the house as they see it as the same thing (a fuel source). Just wondering what those of who have one in your house have experienced. This is a real big deal for us as we wont go without insurance, & this may just force us to put whatever boiler in an outbuilding. Thanks for sharing your experiences.
That doesn't happen very often, but thats their reasoning. Keep that in mind.
