When we bought our place, a year ago the wood stove was a factor to both the lender & Insurance. The seller had to put in electric baseboards. Rural location was another issue, the first lender dropped us the day we were going to sign,

mortgage Company scrambled and were able to find a lender with a better rate than the first one, we lucked out.

The appraiser did fudge and said we were suburban and not rural, and that the nearest city center was 8 miles. Yea, our city of 2100 people, three bars, two hotels, seven restaurants, two stores and a few other shops, big city. :haha:
We couldn’t find insurance because the woodstove was still in the house so we ended up going with the local guy; his underwriter dropped us after a year because with the wood stove and:
1) 5.5 miles from fire station, that’s the one the inspector drove past, the one we would use is only 2 miles from the house, past our road in the other direction.
2) No fire hydrant within 1000 feet of the home, yes but there is a Fire Marshal approved water storage tank within 500 feet of the home.
Let’s just face it, we all live outside the norm (by their standards) and they, either just don’t know what to do with us, or they think by inflicting enough restrictions they will be able to keep more people in the cities, where they have more control (so they think).
