Insurance and wood burners - The Outdoor Community
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post #1 of 24 (permalink) Old 04-23-2018, 08:14 AM Thread Starter
Hooked on HuntingPa
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Insurance and wood burners

Does anyone have a woodburner as there primary heat source? How about with a homemade woodburner? Was wondering if any of you have had trouble getting insurance on a camp if this is the case. Thanks
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post #2 of 24 (permalink) Old 04-23-2018, 08:37 AM
Hooked on HuntingPa
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We have a wood stove as our primary source for the cabin and we did not have an issue getting insurance. I had to send in a few pictures to demonstrated we maintained the proper clearances per the manufacturers recommendations. It was quite simple. We have Millville insurance.
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post #3 of 24 (permalink) Old 04-23-2018, 08:58 AM
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We have a wood burner for our only source of heat in our cabin. Our insurance company would not insure it so my agent had to find and alternative company. No issue though.
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post #4 of 24 (permalink) Old 04-23-2018, 11:19 AM
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When I bought the camp my relator told me to and I did put a propane heater in just I could say it was the main source of heat.
It's just a tiny little heater that cost me around $55.
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post #5 of 24 (permalink) Old 04-23-2018, 02:08 PM
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my parents have both electric heat and a woodstove at camp. we use the electric when we're not there in the winter to keep the dampness out and to warm it up quicker when we get there, then the woodstove takes over as primary heat source , no problem getting insurance
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post #6 of 24 (permalink) Old 04-23-2018, 02:41 PM
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I heat my home with a wood stove. It's my primary heat source. I told my agent I was within clearances and sent him pictures of my setup with me holding a tape showing the measurements. Also pictures of the manual of my stove with clearance measurements. No problems. Farmers , Ken Roberts agency.

16 years and counting. Welcome to the life of a Buffalo Bills fan!
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post #7 of 24 (permalink) Old 04-23-2018, 03:25 PM
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Camp was always insured by LibMut when my parents owned it. When i became the owner, they wouldn't continue to insure camp unless I picked up a homeowners policy with them. So went with Erie, which I already had policies with
Wood stove wasn't an issue with LibMut since the early 80s.

Erie agent asked type of construction, when built, how far to nearest VFD, what the primary heat source was, etc. Told her a tad over 6 miles to fire hall, have wood stove and permanent elec. baseboard heat at camp. Described wood stove installation (SS insulated chimney, stove boards w/air space on wall behind it, under it).

She wrote it up as elec. heat, wood stove secondary. No issues with Erie coverage since 2002. Bundled with my homeowners, so hard to break down the price?

Some folks' learnin' curves just look like circles...3A Camp/also hunt 4B
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post #8 of 24 (permalink) Old 04-23-2018, 04:37 PM
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Erie wouldn't touch my camp because it didn't have a central form of heat that was regulated by a thermostat- and I have Erie as my home and auto since 1981. I have a pellet stove and a small ventless gas stove as backup when the electric goes out. I went will Millville.

Wishing I was at camp!
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post #9 of 24 (permalink) Old 04-23-2018, 06:58 PM
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our home is insured by Murray Insurance and the camp is insured by Farmers
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post #10 of 24 (permalink) Old 04-23-2018, 08:18 PM
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I would assume that as long as it is up to Code you would be Okay.

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