We own a log home that we moved out of last Sept. and have been trying to sell ever since. It has a woodstove which we used as the primary heating source for 8 years, no problems. Now our insurance company (Mennonite Mutual here in Ohio) is demanding we take the woodstove out. We are not going to do that. I know some of you here live in log homes and heat with wood. Can you recommend an insurance co. that is not so uptight? BTW, the house is vacant right now and the stove hasn't been fired up in a year and a half.
could it be an opportunity for someone to make themselves at home with the wood stove this winter and not use it proprely? being the home is vacant I don't know how you would get ins. State Farm will insure wood stoves in a log home but I don't know about the combo of it also being vacant.
We have always heated with wood in our log home for the past 30 yrs. We have Concord Insurance and have never had a problem about the wood stove. Is you stove installed properly? I can't understand why they would want it removed.
When we moved to our cabin, our long-time insurance agent told us we'd have a difficult time getting insurance (he lived in a log home), and doubly so since the primary heat was a wood stove. He said rural homes, where there are only volunteer fire departments, are high risk. Log homes add to the risk, and wood stoves escalate the risk still higher.
He recommended trying a local agent for a large insurance company. I took a day off work and visited one agent after another. Some (like Allstate) said "no way" as soon as I said "log cabin", and several others said "no" once I mentioned the wood stove. Ended up with State Farm.
State Farm insured me, but the agent came out and measured everything to insure the stove met safety/distance specifications. I probably pay too much for homeowner's insurance, but I just don't want to hassle with trying to prove to another agent/company that the stove is safe...which would seem apparent since it has been in use (heavy use) for nine years now.
Farm Bureau is awesome - I have no central heat, just use a Fisher Wood Stove and they insure my HARN..house/barn combination. Cheaper than other companies and cover me for all the regular hazards that farm life offers including a hefty liability policy. I also made sure to get insurance that covers the replacement value of the harn and make sure to have it updated yearly.
Be yourself - no one can tell you that you're doing it wrong!
Thanks for the info, all.
We used the woodstove as the primary heat source when we lived there, though I guess the baseboard electric heaters could be considered the primary heat, but it would be a bit of a stretch.
We've never tried to hide anything. Indeed, the agent came out and looked everything over after we moved in. The stove is a Lopi, professionally installed. Everything on the house is up to code. It's only 7 years old.
We also have State Farm and they insure our "all wood" home (it's not log) at no extra cost. The only stipulations are the woodburning applicance must be UL Listed and installed according to manufacturer's recommendations and local codes.
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It is cheap to install a few baseboard heaters and list that as the primary heat. It might attract a few more buyers. We only use a woodstove in our house, but it has baseboard heaters which is listed as the primary heat on the insurance/listing description.
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I have a log home with a woodstove and am insured by State Farm at no extra cost. I've always used State Farm for auto and previous homes insurance so I did not even know there was in issue with insuring this type of home and heat source. The house does have central heat (electric heat pump) and I use the stove as a supplemental heat source. Why is a log home more dangerous than a wood frame home with wood siding?